Podcasts about accredited financial counselor

Money feels volatile. The headlines feel dramatic. And for many women, investing still feels intimidating. In this powerful conversation, accredited financial counselor and investor Tess Waresmith returns to cut through the noise. She unpacks the truth about market crashes, why the economy and the stock market are not the same thing, and the simple compound interest math that can turn a small monthly contribution into a million-dollar legacy. This episode offers grounded perspective and practical next steps to help you move from fear to financial clarity. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:The importance of financial independence for women.How to prepare your finances for an inevitable market crash.The "bucket strategy" for organizing short-term vs. long-term funds.Comparing the 2000 dot-com bubble to today's AI trends.Why learning to invest takes weeks, not a finance degree.Episode References/Links:Wealth With Tess – https://wealthwithtess.com/savvyFree Financial Independence Mini-Course - https://www.moneyconfidentclub.com/3daysfiTess Waresmith Instagram - https://www.instagram.com/wealthwithtess1929: Inside the Greatest Crash in Wall Street History by Andrew Ross Sorkin - https://a.co/d/0h4yDFDvGuest Bio:Tess is an Accredited Financial Counselor® and the founder of Wealth with Tess, a financial education platform and community, that helps millennial women build wealth using simple investing strategies. Her mission is to help women gain agency over their money so they can retire comfortably and have options to live life on their terms. After losing thousands by working with the wrong financial advisor in her early 20s (a fiduciary by the way), Tess rewrote her financial story. She immersed herself in the world of personal finance and wealth building, and by 35, she went from a net worth of $0 to $1 million, all as a single woman. Today, Tess is a sought-after financial expert, featured by Forbes, CNBC and Business Insider. Her free investing workshops have drawn thousands of attendees, and hundreds of women have transformed their financial futures through her straightforward and supportive learning programs. Her approachable, no-jargon investing tips inspire a growing community on Instagram at @wealthwithtess. Whether you're short on time or new to investing, Tess is proof that you don't need Wall Street-level expertise to build wealth, you just need to decide it matters and get some judgement free education. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! 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It is just a tool. Are there billionaires that are assholes, of course, but that doesn't mean that money is a bad thing. We should all be working to acquire it, because if we have more flexibility, independence and freedom, we're going to be better for the people around us. We're going to make a better impact.Lesley Logan 0:17  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:56  All right, Be It babe, we are gonna talk about the financial times. Don't turn this away. I know you wanna go, la, la, la, la, la, when we talk about money, and I think I said that the last time we had the amazing Tess Waresmith on. But I really want, I want you to know that like after talking with her and hearing her voice and hearing her perspective on all the uncertainty when it comes to money, when it comes to the stock market, when it comes to the economy, she always helps me put it all in the most amazing perspective. And I want that for you as well. And I also want you to have all the things that you want to have. And if you're like, oh Les, I'm good, we also talk about that too. We also talk about what like if you are good, why it's so important for you to have this information and to know what to do with it. So, here's Tess Waresmith. Lesley Logan 1:42  All right, Be It babe, I am thrilled to have this guest back, because, to be honest, I just love hearing her speak. I actually there's very few people online that I am like absolutely 100% have to watch everything they post, because I learned so much. I learned so much from her, and I wanted to have her back so we can learn some more, because the financial investment is always uncertain, but it feels more uncertain now than it ever did before. So Tess Waresmith, welcome back. Will you tell everyone who you are and what you rock at?Tess Waresmith 2:08  Thank you. Thank you for having me back. I am an accredited financial counselor, an investor, and I would say more colloquially, I am an advocate for women and people having more money so that they can do what they want, when they want, with who they want, and eventually retire comfortably and have the flexibility, yeah, to do whatever you want with your life. That is my goal. Lesley Logan 2:28  Yeah. Well, I mean, I think we're on the same path in different ways. Like, I don't know money the way you know money, but I'm like, I want women to have, like, I want them to be a priority in their life, so that they have a body that will take them everywhere they want to go. Because, you know, so I and for a lot that may require is like having financial independence and abilities to do things that can care for themselves, they advocate for themselves. And so money does, people can hate it or love it, but it does make the world go round. It is this energy that we need to understand. So, you know, we've had you on the pod before, so you guys, we'll definitely link in the show notes, and you will learn so much. But you know, as we record this, I'll say what when we're recording this, because I think it's helpful. We just got out of the longest shutdown, the crazy times we're recording November, so it's probably come out in 2026 in the beginning. But like, people are scared. I think people are freaking out. Like I coach businesses all the time, and where my predictions are is that the group fitness aspect of things is being affected, because that's the amount of those are the people whose paychecks are being affected, those people whose the cost of groceries going up, it affects their luxury spending, which I don't think fitness should be luxury, but their luxury spending on fitness is changing. And so I'm seeing these changes. Can we talk like, where do you want to start, Tess? Should we talk with, like, what is like is always uncertain, and it just and we're like, we're making it up that it's more uncertain today?Tess Waresmith 3:50  It's a great question. I mean, I want to, like, double tap on one thing you said, where before we even, like, get into this conversation. If, when Lesley said, if money is, like, good or bad? Like, money is a tool. It's not either. And so if you are somebody that's like, oh, I hear this a lot from women, they're like, oh, I don't need to make that much money or, like, I don't want to have too much because it's bad, or I feel greedy. If you're that person, we probably need you to have more money so that you can make a bigger impact, donate to causes you care about. You're probably a good person, if you're thinking about it that way. So I need you to just park that and rewrite a new story that's money is not good, bad, evil. It is just a tool. Are there billionaires that are assholes, of course, but that doesn't mean that money is a bad thing. We should all be working to acquire it, because if we have more flexibility, independence and freedom, we're going to be better for the people around us. We're going to make a better impact. If you're an asshole, you're going to be with money or without. So I just want to, like, start there, because I think, I think that is such a useful excuse to be like, I'm not going to focus on my money. I like, don't need more and just like, the reality is, like, if you're saying that I probably need you to have more. Yeah, know what I mean, because.Tess Waresmith 5:04  You're gonna do better things with it, like, I couldn't agree more. Like, I was listening to a business guy, a coach doing not a business coach. He's like, an actual, like, life coach type of thing. And he was finding how people are like, oh, I'm good. Like, I don't, I don't want to. I feel like if me wanting more is bad when other people have so little. And he's like, right, but you playing small is never going to give them anything. Right? So, like that to your point, like, if you're the, if you're the woman, listen, is going, like, I'm really good. Like, I don't need more. We need you to have more, because you will give it to the right people. You will spend it at the right businesses. You're not the ass hole. So, we need that. Yeah, I agree.Tess Waresmith 5:41  Yeah, yeah. So I've been thinking about that a lot more and more, especially as we roll into this economy where we have so much information and so much access and visual representations of under resourced people, and we're seeing that all the time. So it's easy to feel like, you know, well, I'm doing better than this person, and this isn't something I should focus on. The other thing that people don't realize is, if you learn more of the basics, you get to impact the people around you, and not all of them are doing well, either, like I have some really close friends that I've grown up with that are in much better financial positions, that came from nothing, that grew up in really bad homes and with no money, parents in jail. They're doing better because I am a money nerd, and I force them to talk about this stuff, and so, like, I think that it's just important to remember that this is like a fundamental unfortunately in this country, are the rights to like, food and housing is not guaranteed. We need money for those things. So if you have more than you need, great, give it to somebody that doesn't. So yeah, I could go on and on about that.Lesley Logan 6:44  Yeah, yeah. I know it's like, I think, like, it's really interesting, right? I just saw someone post because, again, we're recordimg in November. Somebody posted like, should you be doing, like, Black Friday, Cyber Monday sales? And as a Pilates business coach, I tell Pilates studios all the time, don't fucking do it. You have a service-based business. You don't have the margins to do the discounts that stores have, so you can't copy what stores are doing, and the big stores put those margins in. So guess what? When it's 40% off, it's because when it was full price, you're paying more than they needed you to pay. They have, it's built in, right? As a small business owner, do I do it? Yes. Why? Because I have a product that I can do it on, I have digital products I can do it on, and I'm only doing it this one time a year. While y'all want to have a discount, that's what people want. So like, I'm like, here's the game. I can acquire new customers with it. I can reward my loyal customers who've been with me a long time with these things. But I don't have to participate in this game. But we are currently, right now, recording in the States, in the United States, where housing and medical care and all these things are not guaranteed. And so you do need to have an awareness of how to make money and how to invest money so you can have those luxuries. So going to who what you're an expert at, and talking about these things like, I think people who have a lack of understanding of how money works and investment works, this is when they start to freak out. You know, like we all know, that as soon as they start to see that these big people are pulling their shares out of this, or pulling their shares of this, all of a sudden people start to freak out and pull their shares, and we become a very predictive death spiral. So what should we know? What should we be paying attention to if we are investing? Should we should we not invest right now? Like, what's the?Tess Waresmith 8:24  Yeah, yeah, all great questions and very real and honest questions. So I appreciate that. So I want to start with the fact that the economy and the stock market are not the same thing. It's easy to feel like they are, because we hear so much about the stock market, it's a super exciting piece of information and news for the media to to constantly bring up. And so a lot of times we see these things like, are we in an AI bubble? Are we going to have a recession? Is the stock market going to collapse? Or the stock market is collapsing when it goes down one day, or crashing or whatever. And so I think it's important to remember that those are two different things. The economy right now. There's a lot of issues in the economy. There's a there's a lot of data. Like, just to, like, nerd out for a second, and I'll make this like, as non jargony as possible. So stay with us. So, so first of all, there's, there's things called leading and lagging indicators in the economy, and leading indicators are typically things that are going to influence what the stock market might do in the future. And then there's lagging indicators that kind of show what the business cycle is doing in the past. And all of this to say is that there's so many factors that influence the stock market, and right now, we're in a place where we are getting bombarded with information that is favorable for the stock market and not favorable for the stock market all at the same time. So let me give you some examples. AI obviously has massive potential. It's driving incredible returns in 2025 so right now, when we're recording this this year, the returns on AI investment in the stock market have been outstanding. And if you are invest, even if you're investing in just something like a US stock market fund that holds a bunch of stocks in the US or some of you might know what the S&P 500 is, which is the top 500 US, largest stocks that are publicly traded if you're investing in the US stock market, you're investing in AI right now, and you've probably benefited from that, whether you know it or not, if you have a 401K or an IRA, let me tell you this, it should be up. Also, if it's not, shoot me a message, please. So that's one piece of the economy. At the same time, consumer sentiment isn't great. Healthcare costs are going up. Things are more expensive. We have not solved our inflation problem. A ton of layoffs are happening. We're adding jobs in some sectors, removing them from others. So it's important to remember that while all of those economic factors are going to influence the stock market, they are not the stock market. They are two different things. So that's the first thing I want to say. The second thing I want to say is that the stock market, I'll be very interested to see what happens when this podcast episode is released, to be honest. Because right now, we are in a place where the stock market has gone up over the last three years, significantly. 2024 '25 phenomenal years. However, we have a very hard time predicting what's going to happen in the stock market and how long the stock market will continue to go up before it eventually comes down. I'm telling you right now, it will for sure come down at some point to a lower place than we are at now. The stock market never goes up indefinitely. And so for those of you that are really nervous about investing, you're hearing, hearing and seeing all this news that we're like, we're in a bubble. There's going to be a stock market crash, doom and gloom, like maybe zombies or solar flares, like whatever dramatic things they can add to this conversation about investing, it's important to remember that the stock market actually goes in cycles. So it goes up pretty regularly, it hits a peak, it contracts, and then it hits a floor. And that cycle happens over and over and over again. And so we all get really surprised when we start focusing on our money and paying attention to investing, or even just start to get a little bit more nervous about retirement if we're in our 40s, and we're approaching that and we're realizing, oh, we should have paid more attention to this. All of a sudden, when we start to see this news, we go, oh my gosh, like the stock market's going to crash. The stock market has crashed a lot over the last 100 years. We see a correction and a correction is when the stock market comes down by roughly 10% the word correction comes from the prices of stocks actually like coming down being corrected. So we see that like every three to four years, it's very, very common. So one of the things that I can tell you and your listeners is that we should not be worried about a crash. We should expect one. It's part of the price of entry. If you want to build wealth, just like if you become a business owner, you learn a lot about yourself. It's a crash course in personal development. You have, like, ugly cry days, and then your best revenue day, like, three months later. And then everything you build crashes like and over and over. You're in this cycle of building, three steps forward, two steps back. That's business, right? Stock market's going to be the same thing. So what I highly suggest is, whenever you see news, if there's any kind of emotional or sensational twinge to it, that is your one, that should be a signal to you that that's probably clickbait. Yes, first of all, the news wants to write stock market crash, because you're going to click on that, because you're going to be like, Oh God, that sounds scary. So what I love to do, as an accredited financial counselor and an investor, and I will share a lot more about this through Instagram and upcoming YouTube videos, is that we need to understand that the stock market goes in cycles, and this is expected, and the more we can learn and understand the history of that, it's going to make us more confident in how we're investing. And so I'll give you an example for any of our listeners that are lived in 2008 right? The 2008 financial crisis. If you don't know, the stock market dropped like 50% it was abysmal, super bad. People lost a lot. But when people say they lost everything, they didn't lose their money in the stock market, if they didn't sell what they were invested in, if they were invested in 2008 when the stock market crashed and they waited five years, their money would have returned to the same amount it was at, and then over the next 10 years, would have ended up growing significantly and tripling in value like crazy. So the point of all this is there's two things we need to understand. The economy and the stock market are not the same thing. It's going to go in cycles. And if we're investing for the long term, we have 10, 20, 30 years to weather these cycles. It's going to happen. The more we can educate ourselves, the more we can stay calm during these moments.Lesley Logan 15:13  Okay, first of all, you just somehow always know how to, like, calm me down and make me, like, not nervous. Like, I feel like the I'm like, okay, great. So I'll just give I'll just find some more money to put in there. But also, like, I feel, I'm not gonna lie, I feel like I've never heard someone explain that the economy and the stock market are not the same thing. Like, I'm sure you've said it to me and I like, but there I'm hearing it for the first time, and it's like, well, that explains why, when the stock market was great and the economy, people were like, people aren't feeling the economy was great, and so people are confusing the two. And also I want to highlight that I do remember 2008 I actually became a very successful Pilates instructor during the time that people were canceling cable because I was selling something people wanted to invest like they wanted to invest in themselves. They wanted to take some time. They wanted they were thinking how they're putting their dollars. And so it doesn't they don't always had to be bad when they do figure itself out, and you are right, if people are in it for the long haul, then you're going to weather this. And I think it's hard, because the only people who talk about money around us are typically uncles and granddads and like other men, and they make it sound negative all the time, and we aren't always educated in what that looks like. And so then it's like, oh, it's really bad. But we have, there's a lot of cycles in life that we get more confident in, don't we remember? Like, we all remember our first time we got our female cycle. That was really scary, that was a lot. Then there was years of figuring it out, and then you become an adult, and sometimes you're still surprised it comes. Tess Waresmith 16:38  Tha't ssuch a good comparison.Lesley Logan 16:38  Like, it's right, yeah, but we have, like, it's this thing, and like, we have to dread it, and then it comes, and then all of a sudden, we got all the good hormones because it came, and then it's like, this great time. And so it's like, we live in cycles all the time, and if we know when to like you, the one difference is that, unfortunately, the stock market isn't on a 20-day day or 32-day cycle, I mean if it's good, but we don't know when it's going to happen. We know it is going to happen. So I love the way that you addressed that you say that it's like, okay, so then what's the attitude we want to have when it comes? How? What are we what? What is? What are some things that we can, like, plan for when that happens, so that we can not listen to the noise and the clickbait and be in fear and instead make proactive decisions? And so I guess my question is to you, like, when the stock market crashes, what is your process?Tess Waresmith 17:27  Yeah, yeah. So a lot of it is about preparation. And again, the first the acknowledgement, like we talked about, that's going to happen, knowing that we can say, okay, what do we want our finances to look like, to weather this storm, and there's some very specific things we can do to get ahead of this. So the first thing I would say is that if you are investing in the stock market, that should be money that you don't need, I'm going to say, depending on your risk tolerance the next three to five years. So now might be a good time, because there is so much uncertainty, politically, socially, financially, economically, like, yeah, it's a crazy time. I mean, it's always kind of a crazy time. I think now with social media, we probably get bombarded with it more than we used to. But I will say that, like that is an important thing to remember. Is, like, one of the things I love to tell people, people ask me what they should do with their money, and I always flip that around, and I want to say, what do you want your money to do for you? So let's say a crash is coming. What we want is to make sure we have enough money in the interim while the market is being crappy. So that means having maybe a little bit more of a buffer in savings, maybe adding to your high yield savings account. In the same breath, the money that you're investing in a retirement account like an IRA or a 401(K), you have to remember you're probably not going to touch that money for another 10, 20, 30 years, depending how old you are listening to this, those accounts don't even let you withdraw until you're 59 and a half without penalty, with the exception of Roth contributions, which are have already been taxed. We can come back to that if you have questions on that. But essentially, for the most part, just to like, simplify this, your retirement accounts are meant to be for retirement. So if you have money invested in those accounts, and we have a stock market crash in 2026 it doesn't actually affect your day to day life at all, because you're not going to be using that money in the next immediate future. And even if, even if you are retiring next year, that sucks. It's, it's a bummer, right? That sucks if that happens, and I really hope it doesn't happen to any of you. But even that said, in your first year of retirement, are you going to drain your entire 401(K) and IRA to live? Probably not. You're going to take a portion of that. And if you are prepared, you already have your next few years expenses. Right in savings. So one of the big misses, and like very simple financial organization, is thinking about your money in buckets. What do you need in the short term? What do you need in the long term? And then there's like a little bit of a middle gray area, like maybe you want to buy a house in five to 10 years. Should you invest that money in, like a flexible investing account, like a regular brokerage account? Maybe. It depends on your risk tolerance. You know that likelihood of the stock market being up after five years is roughly 90% based on historical data, so pretty good odds. Is it guaranteed? No. So I think that that's the way we've got to think about it is like, what's the intention for our money? And I'll tell you right now. Lesley, like I for sure, have more money in cash right now. I have a couple of rental properties. I need to make sure I can cover those expenses. The other reason I have that is I so I don't do any dumb shit and take my money out of my investing accounts, because I don't need it. Because even as somebody that is very well educated on the economy, on the stock market, an accredited financial counselor. These things are always going to still be emotional and psychological. So that's the first thing is, like, make sure you have some savings. The second piece of this is understand how your money is invested in the first place, and so learning the basics of investing and making sure that you are investing in a bunch of different stocks and different geographies is really, really valuable. It's called diversification, aka putting your eggs in different baskets. And you can learn about this in hours, making sure that your money is not just all invested in Nvidia or Meta if you're picking one stock, putting all your money in it, I think that's a terrible investing strategy. You could become really wealthy, or you could lose a lot. That's actually Lesley, how you lose everything is when you put all your eggs in one basket. So the other important thing to remember is when we diversify appropriately and invest in US stocks and international stocks. The whole point of that is to create a portfolio that can weather these dramatic downturns. So I think it's like two things. It's like making sure we have our money in the right places to weather the storm, and then our money is invested, understanding how that's diversified across different stuff, so that when one sector collapses, or if there is an AI bubble, not all your money is in AI, so you have different stuff. And thankfully, there's easy ways to do that.Lesley Logan 22:30  Yeah, I think, I think that these are all good reminders. And I also love that, like, the vulnerability of like, yes, even you an expert, there's emotions, because with social media, there's these crazy titles on things that are meant to get you riled up and freaking out, and then you do something stupid when, if you were sane and rational, you would go, hold on. Wait a minute. What? So we're recording this in November, and I said to Brad (inaudible) at the gym, I said, oh, that Peter Thiel guy, like dropped all of his stock, and Tesla and a bit, and Nvidia what is that? And he and I, and I was like, do you think he's like, trying to fuck with things, like, right (inaudible) he's not getting enough attention. But at any rate, like, Brad goes, oh, well that. I hope people don't read too much into that, because that could really scare some people to do some stupid stuff. And it's like you start to realize, like, oh, like, when you could just get yourself away from the title and get yourself away from some things, you can go start to see as a bigger picture. You take a deep breath and you can do these things. I do. I do think that a lot of people, even you know, just in the way that I coach people in their Pilates business, I see them doing drastic changes because they're they're reacting, as opposed to giving themselves a runway that allows them to take a deep breath and figure out, like, what's the next best thing to do.Tess Waresmith 23:44  Yeah, such a good example that Brad brought up. I saw that exact article, and actually three people messaged me about that, which is so funny that you bring that up. I have another great example of this. And there was an author, Andrew Sorkin, who wrote a book on the dot-com bubble when the internet started, and there were all these internet companies popping up all over the place. And then, of course, there was a stock market crash right after that, because there are all these companies that weren't set up for success in the long term in the era of the internet. And so he was drawing some similarities, and all these news publications said, author of dot-com bubble book says we're in the same situation that we were in in 2000 and that's not really exactly what he said. He said there were some similarities, but I can tell you about some differences. So first of all, in the dot-com bubble, the Internet was new, there weren't companies that were huge and integrated into this new technology in the way we are now, and so some of the biggest investment in AI is Meta, Google, like Microsoft, these companies that are so big and so profitable and so established, even if AI just like stopped being a thing tomorrow, they're not going anywhere. So it's a totally different economic business landscape than it was in 2000. Sure, there are some similarities. There was internet hype. Now there's AI hype. Yeah, you could draw them, but a lot of the AI investment is in these mega companies that are so well-resourced that it's very unlikely that we'll see, like an entire bubble and all these there will, for sure, be AI companies that don't do well, but it's a totally different situation in a lot of ways. So that's a good example of, like, how things can be skewed to scare people.Lesley Logan 25:36  Yeah, and I think I love you brought that up because I remember one of the one of my old business coaches, he had mentioned something was probably, it was a podcast, probably during the pandemic when we were all kind of worried. But it might have been a little after, to be honest. So I'm not going to get the dates correct on this, but he mentioned, you know, people are worried about a recession right now. And let me, let me, it must have been two years into the pandemic, because I'm now thinking, remember, I was driving to Vegas, but he said, let's just look at what the recession was in 2008 and when we knew we're in a recession, and actually how quickly we actually started to get out of it. And so, like, the, it's about the and you can correct me if I'm wrong, Tess, but it's like, you have two quarters in a row where things are declining, and then it's like, okay, the economy is retracting, and this is going on. By the time we were actually going up, it had been like another quarter was a little bit but like, things started to turn around. Now, it took a long time for people to feel that turning around, of course, he said. But the other thing we have to know is today, people's incomes are a bit more diversified as well. Not everyone is working for the same big companies. A lot of people have their own businesses. We have people who have a bit more ability to, Oh, this isn't making any money over here. I can make money over here. Not to say that we are, we all can't be hurt by this. But something that I remind myself of is like I am at the time of of 2008 I was only teaching people private one on one sessions in-person today where I'm at I have in-person stuff. I've got retreat stuff. I've got this online thing over here. Now can things retract? Absolutely, but one of those things might actually be more in demand, and I can lean more over there. And so I do think that we can take some emotions out of it and start to go we are all in a different place than we were, because we've learned from different things, and maybe we have to just start to keep in mind, like, what the people writing the headlines want us to do, which is react and have emotion because they because they have to sell ads so they can stay alive. Tess Waresmith 27:34  Yeah, totally. It's, that is a fantastic point and really important to remember, especially for business owners. And then the other thing I would say is, like controlling what we can control, like you just gave us a great example of what we can control. We can control our businesses. We can create new streams of revenue. You know, I love this quote that's like, there's never a lack of resources, only a lack of resource for people like the amount of like free information on the internet that you can find to help you create stuff, make money. It's out there. The other thing we can control is making sure that during these times we're not going into debt. So just making sure you're not spending more than you make that is a super simple tip to survive any kind of recession or stock market crash. And then the other thing I'll say is to look at it as, and this is harder, because it's counterintuitive, but as a massive opportunity. There are a lot of people that became very wealthy after 2008 because they saw the stock market crash and they went, Well, shit, this whole thing is on sale. I am going to invest as much as I possibly can, and as the market recovered, they saw phenomenal returns over the next five years or so. So that's another reason why this education and conversations like this are so valuable, is because, yes, it happens, yes it sucks, it doesn't feel good, but it's also a massive opportunity, if we understand that this goes in cycles, so just another, another way to frame it that's hopefully a little helpful.Lesley Logan 29:05  Yeah, I know that's like, I mean, that's the thing that I don't think enough people understand, because no one talks about it, right? No one talks about, like, after the Great Depression, who got really, really rich from that, and how they did it. No one talks about how after the dot-com even then there was, like, there was different people do benefit, and we do swing back up. And I think we tend to, maybe it's because of how our brains are wired. We look at, we look for the negative, and then we we live in fear, and then we do things based off fear, as opposed to, like, getting on top of the mountain and having a bigger perspective and understanding, like, what is going on and what, what, you said it the best, what can we control? And we can't control. I we can't we cannot control the stock market, unfortunately. We don't have that power yet, maybe, but we can control, like, how we prepare ourselves. And I think that's really, I think that's really key. So you talked about the different buckets you talked about, so preparing ourselves. As it would be as just to reiterate it, just make sure I heard them all, you know, not spending more than we have, so easy, making sure we have a bit more cash on hand, not just to weather any storms, but also sounds like so we can, like, take part of the garage sale that's gonna happen and then diversifying what we are invested in, so it's not all in one area and things like that. I guess I would also say, like, what would your wish be for every woman listening about their level of educating themselves on investments and money? Like, is this something they have to do weekly, daily? Can they do a crash course? Like, how much should they be thinking about this? Because I'm sure they're also thinking, okay, guys, on top of this, I have to think, you know, because, there is a lot going on. There's there's the worry that they have about the people down the street who aren't making enough. There's the the political stuff that's going on. There's a lot that they have to educate themselves on. Like, how much should they be thinking about this?Tess Waresmith 30:52  Yeah, it's such a great question. I'm gonna say it's less than you think once you get a basic education. So I would say the level of information that you should have about investing and the stock market and retirement accounts is roughly the same as getting your driver's license and learning the rules of the road and how to stop at stoplights, please, hopefully you're doing that, and how to put gas in your car, right? Like, like basics, right? Like, when you learn to drive, at first it was hard. You had to practice a little bit, but then you have it, and it's not going anywhere. That is the level of understanding that you have to have about finances in the stock market. So some things you should know are all the things we talk about, your personal cash flow, how money comes in and out of your life, what accounts you can use to build wealth. There's accounts that help you save on taxes, like 401(K)s and IRAs and ones that are just flexible regular accounts, both are great for different reasons. And then you should also know the basics of how to choose investments inside those accounts. And the type of investments that I think everyone should understand the basics of are not the kind of things that you have to go in and tweak every single week. In fact, the best type of investing is investing in funds that hold hundreds or thousands of stocks so these are usually index funds or index ETFs, exchange traded funds. This is just jargon for investments that hold a bunch of different stocks at once. And if you can learn that, and you can learn how to select ones that represent the market, the average return of the market over time is roughly 10% so even if you invest in the most simple way, and you just buy a fund that holds all the stocks that are publicly traded, you could, based on historical data, get the average return of the market at 10% that is like the minimum. That's what you have to learn. And that takes, like, weeks, not months, years, not a finance PhD. It takes you deciding that this matters and deciding that you want to retire comfortably, you want to have the flexibility to pivot, start a new business, do whatever you want, travel to Bali, Cambodia, whatever, like, that's why this matters. It's investing doesn't matter because of investing. It matters because of all those other awesome things you get to do with your life. So I would say, if you dedicated, like, and don't tell me you don't have enough time because you do like, like, half an hour on a Saturday morning, if you like, pick something and you watch some YouTube videos on it, it could change your life in like two or three months. So that's like, high level. I think people think it's going to be way harder than it actually is to learn the basics. And then once you've set up your system where you have money coming in from your business or job, some of that money might go to debt. Some of it goes to your savings some of it goes to your investing accounts. Guess what? All of that can be automated. You can just have an automatic transfer to your Roth IRA that goes directly into a simple fund that holds a bunch of stocks. You can automatically pay off your debt. You can automatically add a little bit more to your high yield savings accounts. Once you set up that system, the maintenance is negligible. There are accounts that I have not touched in over a year, and they're doing fine. Is there a point, at some point when you build more wealth that you might want to talk to somebody get some strategy for sure, of course, but if you understand the basics of what I just explained, which, again, takes weeks, not months, hours, not years. Once you learn the basics, then what you can do is find the right kind of help that's not going to screw you over with a bunch of hidden fees. You understand how the system works, so you can get help that's effective and not hemorrhaging money from your investing accounts, which is a very common problem I see all the time. So that's what I would say. I would say it's less hard than you think, reading two books and taking a course, setting aside time to watch some YouTube videos like being diligent in that way can honestly change your life so much faster than you think. The hardest part is deciding that this matters and then making a commitment to learn. That's the hardest part, actually, learning, it's not that hard.Lesley Logan 35:03  Oh, I love that so much. Okay, something that you do that I want to highlight real quick before, I mean, we could talk forever, but you are aunt. I'm an aunt. You do something epic for your niece, correct? Tess Waresmith 35:13  Yes. Lesley Logan 35:14  Can we, like, should we? Can we talk a little about, like, setting things up for, like, the shares? Tess Waresmith 35:19  Sure. Yeah, yeah. So one of the great math I'm going to say the best mathematical equation on the planet is compound interest, right? So that's why we're investing, because we invest a little bit, it grows and then we get that same return on that money, and then it just continues to grow and grow, right? That's the snowball effect of investing. That's why we're doing it. So if you start investing when somebody's young, or investing for a kid when they're young, the amount of money it takes to completely change their life is so much smaller than you think. So my niece was born this year, so she's zero. I'm not a parent. That's how you know I'm not a parent. I just said zero. Lesley Logan 36:04  It's all right, you didn't say it. So that's good. But yes, I know it's true. And then they talk in months for a long time, and I'm like, you know, we got to get to a year, and then I would be great. Tess Waresmith 36:14  Yeah. So let's say I already told you the average return of the stock market is 10% if I invest for my niece, little little Frida, not it. Little Frida like 100 bucks a month until she's 18, she will have roughly $54,000 given the average return of the stock market. Nothing like crazy, just the average return of the stock market. So that's pretty good, right? But what we don't remember is what happens after that, like, if she just leaves that account alone. So let's say I contribute $100 until she's 18 into an account. It could be a tax advantaged account. There are education accounts, but let's just say it's like a regular investing account, and I contribute that amount, and she's got $54,000 by the time she's 18. What I'm going to tell little Frida is girl just like, leave it there, make your own money, do whatever you want and leave it there for 30 years. Because if you do that, she's going to have roughly a million dollars in 30 years. And I contributed roughly, I don't know, whatever 100 like, month for. Lesley Logan 37:21  I would just say about $18,000 but maybe a little more, because it's 12, there's 12 months in a year. Tess Waresmith 37:24  Yeah, yeah, not a lot. The whole point is not a lot. Lesley Logan 37:27  Yeah, yeah.Tess Waresmith 37:28  So that's like, that's insane to imagine, right? $100 for 18, $100 a month for 18 years, and then it just sits that $54,000 just sits for 30 years. Lesley Logan 37:39  No added money. Tess Waresmith 37:40  She's, no added money. She's a guaranteed millionaire. I don't even have to support her in retirement. I already did. So so like that is, that is the power of compound interest. And I will say also, I'm glad she brought that up, because if you need a motivator to learn this, and you're a parent or you have nieces, this has to be your motivator. Because even if you're not in a place where you can invest $100 a month for your kid. No shame in that. What is so much more valuable than doing what I just told you is learning the basics for yourself, learning how to put on your own mask first, before assisting others so that you can teach your own little Frida the basics of what I just taught you, because if they learn how to do it, and they're contributing 50 bucks a month, 100 bucks a month, they're also going to be a millionaire in retirement. Tess Waresmith 38:03  Yeah, yeah. Love you so much. Okay, we're going to take a brief break and then find out how people can work with you, because I'm sure that's where they're at. They're like, I don't need a random YouTube person. I need you. Tess Waresmith 38:18  Sounds good. Lesley Logan 38:18  All right, Tess, where do you hang out? Where can they stalk you in the best way? Because you're gonna teach them all the ways and where and do you have courses? Do you have anything that they can work with you on? Tess Waresmith 38:48  Yes, absolutely. So I hang out on Instagram a lot @wealthwithtess is my Instagram handle, so follow me there. I also think if this conversation was helpful, I highly recommend that you grab my free investing guide. It has a ton of information of what we just talked about today, and it's going to help you, step by step, start thinking through this process of how to organize your money and start investing. And there's some great examples in there. So that is free, and that's at wealthwithtess.com/savvy S-A-V-V-Y wealthwithtess.com/savvy there's a free investing guide there. Honestly, I'd start there. That's a great place to get information. And then I'm always offering free workshops and opportunities to learn, and I share those so once you download that, you'll get on my email list. And I share information weekly and try to help you stay calm during the AI bubble madness that we're in. Lesley Logan 39:39  I feel so calm, you're like a cortisol little like control objection. You you know the drill. We have the bold, executable, intrinsic, targeted steps people can take to Be It Till They See It. What do you have to add to the amazing advice you've already given us?Tess Waresmith 39:53  I might have said this last time, but I'm gonna say it again. No one cares about your money more than you do. They just don't. So if you care about your money. What you're going to do after this is you're going to go into the show notes, download that free guide and spend 20 minutes reading it, and you're then you're going to pick a next step. That's what you got to do. You got to take action. You can't just listen to people talk about money. You got to do something with what you're learning. Lesley Logan 40:13  Yeah, I love that so much, because I do think people like, okay, check, thought about my money, right? And also like, then take an action that goes along with it. You're epic. I love you so much. I can't wait. We'll have to just make this, like, figure out a way to, like, an annual wealth with Tess, tell us how we're doing. Tell us what's up. You guys, what are you going to do with these tips in your life? Wealth with Tess, wants to know. I want to know so and also share this with all your friends. Because I actually do think when the biggest, this is a little tangent side story, but years ago, when I lived in LA those was so many emails were hacked, and what a lot of female actresses learned is they're making very little money compared to their male counterparts. And one of the things that came out of that is, well, women don't talk about how much they make enough. They don't talk about money enough. And I do think that if our friendships could go deeper into those ways. And it's not a flashy thing. It's an actual thing that allows us to educate ourselves of how much we can make in different areas. There would be less of a wealth gap. There would be more information, because we just don't know how much people are making at different places. And so make this be the start of the conversation about money with your friends, so you can have deeper, wealthier relationships. And until next time, Be It Till You See It. Lesley Logan 41:22  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 42:05  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 42:10  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 42:14  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 42:21  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 42:24  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Estate planning is one of those things most people know they should do, but it often feels overwhelming, expensive, or easy to put off. Between our busy lives and discomfort around death, even responsible adults delay it far longer than they want to admit. In this episode, we break estate planning down into what it really is, a practical way to reduce stress for the people you love and make sure your wishes are clear. We talk about when estate planning actually starts, the small steps that matter most, and how to get started without feeling overwhelmed. My guest is Sasha Grabenstetter, an Accredited Financial Counselor® and financial educator whose work focuses on the intersection of money, behavior, and lived experience.   For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook  

In this episode of The Health Fix Podcast, Dr. Jannine Krause sits down with Brenda St. Louis, Accredited Financial Counselor, Financial Therapist, Certified Money Coach, and founder of REWIRE, to explore the powerful and often overlooked connection between money, the nervous system, and overall health. Brenda brings decades of experience in personal development, somatic therapy, and financial education to this conversation, revealing why money stress is rarely about numbers and almost always about emotions, conditioning, and survival patterns. Together, they unpack how unresolved money trauma can drive chronic stress, dysregulated nervous systems, impulsive financial decisions, and even physical health challenges.   What You'll Learn in This Episode Why money stress is a health issue, not just a financial one How the nervous system influences spending, saving, and financial decisions Common emotional triggers around money and how they show up as self-sabotage Brenda's concept of money archetypes and how they shape your financial behavior How inherited family patterns and generational beliefs affect your relationship with money Why many high-earning individuals still live paycheck to paycheck Simple awareness shifts to create financial calm, clarity, and confidence   About Brenda St. Louis Brenda St. Louis is an Accredited Financial Counselor, Financial Therapist, Certified Money Coach, and Trauma of Money Facilitator, with CFP training through BCIT. She has worked in personal development and human potential since 1996 and has focused specifically on the emotional side of money since 2009. As the founder of REWIRE, Brenda helps individuals including average to high net-worth earners — break free from money stress, emotional overwhelm, and limiting financial beliefs. Her multidisciplinary background as a massage therapist, voice actor, motivational speaker, and published author gives her a unique somatic and intuitive lens on financial healing. She is a co-author of the Amazon.ca bestselling book "The Thought That Changed My Life Forever" alongside Dr. Joe Dispenza and Bernie Siegel, and has been featured on numerous podcasts, radio, and television platforms. Brenda has owned and operated her own business for over 25 years and currently works in Vancouver, BC, Canada. Special Invitation Brenda invites listeners to join her upcoming webinar, where she'll share actionable tools to: Break free from limiting money beliefs Regulate your nervous system around finances Build a healthier, more empowered relationship with money

Financial trauma is real, and it may be influencing your money decisions.  Rahkim Sabree, an award-winning Financial Therapist, Accredited Financial Counselor®, author, and speaker, shows us how to spot the patterns holding us back and how to start the healing process.  We're unpacking the emotional baggage we carry around money, how it gets passed down through generations, and — most importantly — how to break free from it.    Connect with Rahkim Sabree Read the book 'Overcoming Financial Trauma': https://amzn.to/44m0Xtp Website: https://www.rahkimsabree.com/ Newsletter: https://rahkimsabree.substack.com/  Instagram: @rahkimsabree   Connect With Danielle Desir Corbett  Website: www.thoughtcard.com  Newsletter: https://thethoughtcard.substack.com/  Instagram: @thedaniellecorbett   Work With Me: Email thethoughtcard@gmail.com for brand partnerships and business inquiries.    Other Episodes You'll Enjoy:  Clever Ways To Save Money on Airfare - Episode 155 How To Achieve Your Travel Goals - Episode 182  Short-term Financial Goals You Can Set Today - Episode 122  

Why This Episode Is a Must-Listen Life's big transitions—marriage, career shifts, supporting family, divorce, or reinventing life purpose—inevitably test both our emotions and our finances. This episode of Inspired Money explores practical strategies and real-world wisdom for navigating these pivotal moments. Whether you're planning for an uncertain future or actively rebuilding after change, this conversation with a panel of renowned experts offers actionable advice, hard-won insights, and plenty of encouragement. Don't miss this masterclass on making smarter money moves through any transition. Meet the Expert Panelists Dr. Preston D. Cherry is a financial psychologist, CFP®, and author of Wealth in the Key of Life, known for helping individuals align their money with their values through his Life Money Balance® philosophy. As Founder of Concurrent Financial Planning and Director of the Financial Planning Program at UW–Green Bay, he blends financial expertise with emotional insight to guide people confidently through major life and wealth transitions. https://www.concurrentfp.com Mariko Gordon, CFA, CFP® is the CEO of Uzume LLC, where she provides financial planning and consulting services to individuals and families. She previously founded and built Daruma Capital Management into a $2.5 billion firm with a distinctive, non-traditional approach to investing. With over 30 years of experience as a small-cap stock picker, she now helps clients navigate personal finance, entrepreneurship, and life transitions, drawing from her deep expertise in business, investing, and her multicultural heritage. https://marikogordon.com https://www.uzumellc.com Jackie Cummings Koski is a CFP® professional, Accredited Financial Counselor, and award-winning financial educator who achieved F.I.R.E. in her 40s after overcoming poverty, divorce, and single motherhood. She is the author of F.I.R.E. for Dummies and co-host of the "Catching Up to FI" podcast, using her expertise to help people build financial literacy and pursue financial independence at any life stage. https://www.finomenalwoman.com Jacqueline "JaQ" Campbell is Founder and CEO of Alexander Legacy Private Wealth, where she leverages decades of experience—rising from a high school intern at Comerica's Private Bank to leading a $1.8 billion investment team at Chase Wealth Management—to guide clients and mentor the next generation of advisors. Passionate about community impact, diversity, and inclusion, she serves on multiple boards while embodying her philosophy as a mother, innovator, and philanthropist. https://www.alprivatewealth.com This episode is sponsored by Seeking Alpha — get their best Black Friday deal of the year now through December 10, 2025. Visit www.inspiredmoney.fm/alpha for the best discounts of the year. Key Highlights 1. Communication & Transparency are Essential in Relationships Preston D. Cherry and Jackie Cummings Koski stress that honest, ongoing conversations about money, before and during life transitions, are non-negotiable. Building shared financial goals, scheduling regular money meetings, and understanding differences in financial background ("money genealogy") help partners maintain unity and autonomy. "If you agree that the household is the mission, you can better understand each other's paths," emphasizes Preston D. Cherry. 2. Preparing for a Career Pivot Means More Than the Numbers Mariko Gordon explains that major changes like launching a business demand both runway and emotional readiness. She highlights the importance of clarity around your cash flow, having a contingency plan, and not feeling like a failure if you need to pause or pivot, "sometimes you don't have to commit financial scorched earth devastation." Jacqueline "JaQ" Campbell adds that curating a personal board of directors and mentors is just as critical as financial systems. 3. Multi-Generational Support Requires Boundaries and Education For those "sandwiched" between supporting children and aging parents, Jacqueline "JaQ" Campbell and Jackie Cummings Koski agree that prioritizing your own retirement and empowering others through financial literacy are keys to sustainable support. Rather than being an ATM, strive to be your parents' and children's CFO: educate, plan, and let loved ones learn through their own financial decisions. 4. Navigating Solo Transitions: Give Yourself Grace Loss and divorce are as much emotional events as financial ones. Jackie Cummings Koski and Jacqueline "JaQ" Campbell underline the necessity of seeking support, taking time to process grief, and acting strategically, updating financial documents, gathering your advisory team, and setting new goals. Preston D. Cherry shares, "Allow yourself the space to heal… you don't need permission to take it for yourself." Call-to-Action Pick one transition, current or upcoming, and write down the single next financial action that would bring you more stability. This week, take that first step, whether it's organizing documents, reviewing beneficiaries, or scheduling a money conversation. Progress starts with one action! Find the Inspired Money channel on YouTube or listen to Inspired Money in your favorite podcast player. Andy Wang, Host/Producer of Inspired Money

"You can't talk about living your best life without talking about money and you can't talk about money without facing what you're afraid to feel." In this episode, Heather sits down with Tess Waresmith for a powerful and emotionally honest conversation about death, money, and the stories we carry around both. From end-of-life planning to modern parenting and breaking financial cycles, they dig into what it really means to be resourced. Not just financially, but emotionally too. Whether you're navigating aging parents, raising kids, or running a business, this conversation will challenge you to take radical responsibility for your future and give you a compassionate push to finally look at what you've been avoiding. ✨Why emotional capacity and financial literacy go hand in hand and how to build both ✨The psychology of money: avoidance, anxiety, identity, and invisible labor ✨How to teach kids financial independence without over-rescuing or enabling This one's for the woman carrying it all - past, present, and future, finally ready to take her power back. About Tess Tess is an Accredited Financial Counselor® and the founder of Wealth with Tess, a financial education platform and community, to help people gain agency over their money so they can retire comfortably and have the options they deserve. A sought-after financial expert and on-air contributor, featured on Forbes, CNBC and Business Insider, her free money and investing workshops have drawn thousands of attendees, and hundreds have transformed their financial futures through her straightforward and supportive learning programs. Her approachable, no-jargon money tips inspire a 100,000+ community on Instagram at @wealthwithtess. Whether you're short on time or totally new to personal finance, Tess proves that you don't need Wall Street-level expertise to build wealth, you just need to decide it matters and take action. Connect with Tess www.wealthwithtess.com https://www.instagram.com/wealthwithtess/?hl=en https://www.wealthwithtess.com/founders www.wealthwithtess.com/fi ******* For those of you who are ready to stop feeling drained, overextended, and out of alignment… join me for a one-on-one Time & Energy Audit, a focused session designed to help high-achieving women uncover what's draining them, clarify what truly matters, and create a simple plan that fits their life. We'll pinpoint your biggest time + energy leaks, identify the top areas to focus on for quick momentum, and map out exactly what to let go of so you can reclaim your energy, your time, and your joy. Ready to make your time work for you without adding more to your plate? Book your audit here: https://heatherchauvin.com/audit

Work Less, Live More and Own Your Time with Andy Hill | 079In this powerful episode of The Extreme Personal Finance Show, Chris Luger sits down with Andy Hill, Accredited Financial Counselor®, author of Own Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grind, and creator of Marriage, Kids and Money.Andy shares how he and his wife went from overworked corporate life to living intentionally, with more time for family, health, and happiness. Together, they dive into:How to own your time instead of selling itWhat “diversifying your identity” really means after leaving corporate lifeThe moment Andy realized he needed to walk away from a six-figure jobHow to teach kids generosity, gratitude, and financial independence earlyWhy success isn't a number. it's a calendar that reflects your valuesIf you're stuck in the grind and dreaming of more time, freedom, and purpose listen now! Pre-order Andy's book: Own Your Time (January 2026)Visit MarriageKidsAndMoney.com for moreContact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links: https://marriagekidsandmoney.comOwn Your Time: 10 Financial Steps to Put Your Family First and Escape the Corporate Grindby Andy Hill https://amzn.to/4oIN7JAMemento Mori Calendarshttps://www.amazon.com/s?k=memento+mori+calendarThe Good Enough Job: Reclaiming Life from Work by Simone Stolzoff https://amzn.to/4hwYbqFChris' Interview on Marriage, Kids and MoneyBecoming a Millionaire After Becoming Mortgage Freehttps://youtu.be/SKvJDS8ZAkA?si=3c7Jjg_NQjDL4VW6Big Tip Tuesdayhttps://marriagekidsandmoney.com/why-were-giving-100-tips-this-holiday-season-and-why-we-want-you-to-join-us/

What does it really take to build wealth as a business owner - without overcomplicating it, making risky decisions, or constantly stressing about revenue? In this week's episode of the It's Your Offer podcast, I sit down with Tess Waresmith, Accredited Financial Counselor and founder of Wealth with Tess, to talk about simple, practical systems entrepreneurs can use to pay themselves first, invest with confidence, and create true financial freedom. From her unexpected start as an aerial acrobat on cruise ships to building her own financial education business, Tess shares how her personal journey through bad financial advice and costly mistakes fueled her mission to help founders take control of their money. Tess explains why so many entrepreneurs - especially women leaving corporate to start businesses - are unintentionally putting their future at risk by not saving or investing alongside their business growth. She also breaks down easy steps anyone can take to get started, even if you're in debt or feel like you “don't have time” to think about money. If you've ever felt unsure about how to manage your profits, or you want to create more stability and options in both your business and your life, this episode will give you the clarity and confidence to finally put your money to work.   Mentioned in this episode Wealth With Tess Website Tess Waresmith on LinkedIn Tess Waresmith on Instagram Tess Waresmith on YouTube Free Investing Mini Course for Entrepreneurs Subscribe to Email List Leave a Podcast Review   Work/Connect with me: Offer Optimization Scorecard Book a Call   Tune in to start taking your business and life to the next level today and don't forget to subscribe or follow the podcast to make sure you don't miss any future episodes. Visit https://jessicamillercoaching.com/ to learn more. You can also follow me on Instagram (@jessicadioguardimiller) and Facebook.

On this episode of Real Money, Real Experts, Rachael DeLeon and Dr. Brandy Baxter sit down with Dr. Jacquie Carroll—educator, researcher, speaker, and Accredited Financial Counselor®—to talk about the power of the pivot.Jacquie shares her non-linear career journey, from higher education and HR to financial counseling and now launching her own legacy project, GameKraft, a financial education game designed to help people learn in engaging, accessible ways.Together, they explore:Why pivots—both planned and unexpected—are essential to personal and professional growth.How AFCs can prepare clients for an ever-changing workforce.The importance of leaning into community, mentorship, and side hustles.Why success isn't about a straight path, but about being ready when preparation meets opportunity.Whether you're considering a career change, supporting clients through transitions, or just need inspiration to embrace the unexpected, this conversation is full of wisdom, encouragement, and practical takeaways.Show Notes: 2:15 Jacquie's Early Career6:40 Discovering Financial Counseling 12:05 Embracing Career Pivots 18:20 Building Community & Connection 24:45 The Birth of GameKraft 32:10 Legacy & Impact 38:00 Jacquie's 2 CentsShow Note Links:Learn more about Jacquie's journey!Connect with Jacquie on Linkedin!Learn about GameKraft!Jacquie's favorite resources!Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

This week on Divorce & Beyond, we're doing something a little different, and something truly special. We're honored to share the premiere episode of Season 4 of the Intentional Divorce Insights podcast, hosted by Certified Divorce Financial Analyst and Accredited Financial Counselor, Leah Hadley. If you caught Monday's episode with Leah on Divorce & Beyond®, you already know what a valuable and grounded voice she brings to the complex financial realities of divorce today. In this solo episode, Leah takes us deeper, sharing the personal story and values that inspire her work and fuel her mission to support those navigating divorce with clarity, confidence, and compassion. You'll hear: How Leah's mother shaped her approach to money, reinvention, and resilience The five pillars of Leah's Intentional Money Method A powerful reminder that it's never too late to grow, shift paths, or start fresh The importance of building financial freedom intentionally, especially in times of transition Whether you're facing divorce, considering a new direction in life, or simply looking to feel more empowered around your finances, this episode offers wisdom, warmth, and a clear next step.  Be sure to listen to our Monday conversation with Leah if you haven't already, where we dig into what recent economic shifts mean for your divorce strategy in 2025 and beyond.  Here's the link: https://divorcebeyond.com/Leah-Hadley   And if you're over 50 and contemplating divorce, don't miss Leah's free upcoming webinar: Divorce After 50: Protecting Your Retirement and Securing Your Future. Details and Registration link here: https://www.greatlakesdfs.com/divorce-after-50   More About Leah Hadley: Leah is the founder of Intentional Divorce Solutions and Intentional Wealth Partners. She's a nationally recognized financial expert, author, speaker, and host of Intentional Divorce Insights. With a background in both education and finance, Leah is passionate about helping people make thoughtful, values-aligned financial decisions, especially during life's most challenging transitions.

Think therapy is only for emotions? Think again—financial therapy helps you heal your money story.In this episode of the Spiritual Fitness Podcast, Eric Bigger chats with financial therapist Rahkim Sabree about how healing financial trauma can completely shift how you handle and think about money.Discover the emotional and cultural roots of our money habits—from generational patterns to systemic challenges—and why financial therapy can be a game-changer. Rahkim also shares down-to-earth tools like somatic healing practices, ways to rethink your money story, and how to build supportive spaces for financial growth.If money has ever stressed you out, this one's for you. Tune in and start rewriting your financial mindset.Key highlights: What is Financial Trauma? How systemic issues shape money struggles. Body-Based Healing - Using somatic tools to ease financial stress. Capitalism & Money Mindset - The impact of exploitation on your finances. Community Support - Why healing money wounds takes a village. Money as Empowerment - Simple reframes to feel safer and stronger with money.About the Guest:Rahkim Sabree is an award-winning Financial Therapist, Accredited Financial Counselor®, author, and speaker with an emerging voice in the fields of financial therapy and financial empowerment. He is the author of the soon-to-be-released book Overcoming Financial Trauma, which explores the intersection of money, trauma, and healing. Rahkim is particularly renowned for his efforts to demystify financial trauma among underserved communities. With a dynamic background that bridges financial services, public speaking, and inclusive financial wellness, he is dedicated to helping individuals and organizations challenge traditional views of financial freedom and personal growth.Get his book Overcoming Financial Trauma: https://www.amazon.com/dp/1394341245?ref=cm_sw_r_ffobk_cp_ud_dp_2A05X2DGAFN42R3SF4DH_1&ref_=cm_sw_r_ffobk_cp_ud_dp_2A05X2DGAFN42R3SF4DH_1&social_share=cm_sw_r_ffobk_cp_ud_dp_2A05X2DGAFN42R3SF4DH_1&bestFormat=true&previewDohEventScheduleTesting=C&csmig=1Instagram: https://www.instagram.com/rahkimsabree Website: https://www.rahkimsabree.com/ Substack: https://rahkimsabree.substack.com/Shop IYLA: https://iylia.com/Use promo code EB20 for IYLIA champagne, offering 20% off on orders up to $200Check out Miracle Season's collection: https://itsmiracleseason.co/collections/frontpageWork with me: https://www.ericbigger.com/workwithme?utm_source=podcast&utm_medium=podcast&utm_campaign=work_with_m...Connect with Simplified Impact: https://hubs.ly/Q02vvMJ90

What if the most important trust-building moments with clients aren't during meetings, but actually in between them? It turns out that your communication between meetings ( texts, emails, calls, etc.) can significantly impact trust, satisfaction, and client retention. In this conversation, Dr. Megan McCoy shares her breakthrough research on the power of between-meeting communication and how Advisors can create a “web of support” plan to help improve trust, satisfaction and client retention. You'll Learn: Ways to personalize communication at scale A framework for “between meeting” communication How to balance task-based and relationship-based outreach Signs your client has financial anxiety (even when they say they're “fine”) Why you need the right message delivered through the right medium *To sign up for Brendan's newsletter packed with resources to master the human side of advice → Click Here *To get the “Affiliation Guide” outlining a business model designed to help build your business ->Click Here Resources: Book: Financial Planning Counseling Skills Book: Facilitating Financial Health: Tools for Financial Planners, Coaches, and Therapists Book: Happy Money: The Science of Happier Spending Connect with Brendan Frazier:  RFG Advisory LinkedIn: Brendan Frazier Connect with Dr. Megan McCoy:  LinkedIn: Dr. Megan McCoy About Our Guest:  Megan McCoy, Ph.D., LMFT, AFC®, CFT-I™, is an Assistant Professor at Kansas State University's Department of Personal Financial Planning. She teaches courses at the undergraduate, graduate, and doctoral levels focused on financial well-being, financial therapy, and couple dynamics regarding finances. Dr. McCoy holds a B.A. in Psychology from The University of North Carolina and an M.A. in Marriage and Family Therapy from Drexel University. Dr. McCoy also attended the University of Georgia, where she earned a Ph.D. in Human Development and Family Science with an emphasis in Marriage and Family Therapy. She is a licensed Marriage and Family Therapist, an Accredited Financial Counselor®, and a Certified Financial Therapist-I™. During her doctoral program, she developed a specialization in financial therapy and client psychology. She had the opportunity to work with clients alongside financial planning students to treat clients' financial well-being together. Observing and learning from financial planners' work with clients enabled Dr. McCoy to gain more insights into the psychology of financial planning. She serves on the Financial Therapy Association's Board of Directors and was the past Associate editor of the Journal of Financial Therapy. She is currently co-editor for the Financial Planning Review. She was also a guest editor on a special issue on finances for Contemporary Family Therapy. Dr. McCoy's research interests focus on financial therapy, financial well-being, and financial communication, as well as diversity, equity, and inclusion issues. She has published over forty articles in top-tier mental health, family science, financial counseling, and financial planning journals. This year, her research has won awards from the National Council of Family Relations and the Financial Therapy Association. Dr. McCoy has been awarded grants from the Financial Planning Association, the National Endowment for Financial Education, and FP Canada to continue research on how to integrate client psychology topics into financial planning to foster trust and commitment with clients. Dr. McCoy has also been featured as a financial well-being expert on the Today Show, NPR, BBC, the Wall Street Journal, and many other media outlets. – Content here is for illustrative purposes and general information only. It is not legal, tax, or individualized financial advice; nor is it a recommendation to buy, sell, or hold any specific security, or engage in any specific trading strategy. Information here may be provided,

What do you do when you realize your practice isn't working for you, and you want to do something else or leave the law altogether? You turn to an expert like Jessica Medina, who can help you figure out the financial plan to make a transition possible. Jessica is a lawyer turned Accredited Financial Counselor whose specialty is helping lawyers in this exact scenario. In this episode, listen in as Jessica and I talk about her personal transitions from Biglaw to government and eventually out of the law altogether and how she helps her clients prepare for their own transitions. Head to rhothomas.com/270 for the full episode show notes.

In this episode of Real Money, Real Experts, we sit down with Dr. Jessica Limbrick, an Accredited Financial Counselor®, researcher, and Assistant Professor at Nevada State University — and yes, she's also the woman who throws full-blown birthday parties for 59½.Jessica shares how her early fascination with personal finance, her own lived experiences, and a pivotal poverty simulation shaped her teaching philosophy. She talks about using metaphors, milestones, and empathy to bring financial concepts to life for her students — many of whom are working full-time or caring for families while attending college.We explore her research on college students' shifting views on poverty, the intersection of wealth and perceived intelligence, and how educators and counselors alike can better serve clients across income levels. Plus, we talk AI, crypto, and why she believes everyone should embrace their own “experiment number” à la Lilo & Stitch.This conversation will leave you thinking differently about the role of educators, the weight of financial systems, and the power of meeting people where they are — whether they're clients, students, or simply fellow humans navigating life.Show Notes: 00:51 How personal finance shaped Jessica's path 05:41 Jessica's why 08:03 Why educators need to utilize creativity with financial education13:43 The future of AI & crypto in financial planning17:20 Poverty simulation & impact on her research30:08 Jessica's 2 centsShow Note Links: Connect with Jessica on Instagram!Connect with Jessica on Linkedin!*The link below will ask for a donation. Please note this site is not affiliated with AFCPE.  https://playspent.org/ Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

Welcome to Yahweh's Money: The Crossroads of Religion and Money. I'm Shay Cook, an Accredited Financial Counselor®️, passionate believer, and the founder of Crusaders for Change®️, LLC. If you've ever felt curious, uncomfortable, confused, or even guilty talking about money in a spiritual setting, I created this space for you.We've been taught that money is the root of all evil. That tithing is about obligation, not overflow. That debt is a sign of failure—not a place where grace can show up. But I believe it's time to challenge those narratives.On this podcast, I dive deep into the connection between faith and finances. We'll talk about tithing, saving, debt, financial trauma, generosity, and more—all through a biblical and empowering lens. Because I believe you can be faithful and financially free. You can trust God and still have a budget. You can walk in your purpose without walking in lack.Each episode weaves together scripture, practical financial tools, and real conversations to help you break free from shame, embrace your role as a steward—not a struggler—and build a life of abundance that honors God and your goals.This podcast is part of the mission I've been called to through Crusaders for Change, where we help people walk in financial healing and spiritual wholeness. Visit crusaders4change.org to learn more about our programs and community.If you're ready to stop surviving and start stewarding, I invite you to hit follow. Let's walk this journey together.Send us a text

In this episode of the Miko Love Podcast, host Kumiko Love explores the true meaning of financial freedom, challenging the conventional notions that equate it with wealth and success. She emphasizes the importance of defining financial freedom on a personal level, rather than adhering to societal standards.Kumiko discusses the emotional aspects of money, including financial trauma and the impact of comparison on personal goals. She provides actionable steps for listeners to create their own financial systems that align with their values and emotional needs, ultimately encouraging them to build a life of freedom through intentional choices.KEY TAKEAWAYS: Financial freedom is often misunderstood as a destination.Defining financial freedom for yourself is essential.Freedom starts with truth, not a dollar amount.Financial trauma can persist even after achieving financial goals.True freedom is about feeling safe, not just being in control.You can create moments of fulfillment now, not just in the future.EPISODE CHAPTERS00:00 Redefining Financial Freedom06:19 The Emotional Side of Money12:29 Creating Your Own Financial System17:10 Building a Life of FreedomAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this week's episode, we sit down with Colleen Salchow—Marine Corps spouse, Accredited Financial Counselor, and former special education teacher—who is passionate about helping teens, young adults, and military families take control of their financial futures. With a background in counseling and education, Colleen brings a compassionate, real-world approach to financial literacy.From teaching teens the value of budgeting through real-life consequences (like trading Nike money for a new phone) to showing families how to look beyond college tuition and understand the true cost of higher education, Colleen shares stories and strategies that make money management feel less intimidating and more empowering. She also opens up about the financial lessons she's learned through frequent military moves and why having a fully funded emergency fund is essential for any military family.Whether you're a parent, a caregiver, or someone navigating your own financial journey, this episode is packed with practical wisdom and relatable advice you won't want to miss.Show Notes: 02:36 Colleen's financial lessons06:31 From teaching to personal finance: Colleen's "why" 10:49 How the AFC impacted Colleen's solopreneur journey 15:28 Student loan planning 10125:53 The balance between guiding your children financially & allowing them to make their own mistakes29:47 Colleen's 2 CentsShow Note Links:Connect with Colleen on Linkedin! Learn more about the National Center of Education!Click here for more resources from the National Center of Education! Listen to Smart College Buyer Podcast!Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

In this episode of the Miko Love podcast, host Kumiko Love delves into the complex issue of habitual shopping, exploring its psychological roots, emotional triggers, and the societal influences that perpetuate compulsive spending. She emphasizes the importance of self-awareness, self-compassion, and community support in overcoming these habits. Listeners are encouraged to identify their spending triggers, regulate their emotional responses, and create a spending plan that aligns with their values and healing goals. Ultimately, the episode serves as a reminder that healing from habitual shopping is possible and that individuals can cultivate a healthier relationship with money and themselves.KEY TAKEAWAYSHabitual shopping is a coping mechanism for emotional pain.Dopamine plays a significant role in reinforcing shopping habits.Awareness is the first step to changing spending patterns.Your identity influences your financial behaviors.Regulating your nervous system can improve decision-making.Creating a spending plan should reflect your values and goals.Community support is vital in overcoming habitual shopping.You can rewrite your relationship with money and shopping.EPISODE CHAPTERS00:00 Introduction to Habitual Shopping02:50 Understanding the Psychology Behind Shopping Habits06:05 Identifying Triggers and Patterns09:01 The Role of Self-Compassion and Identity11:52 Regulating Your Nervous System15:13 Creating a Healing-Centered Spending Plan17:51 Building Community and Support for ChangeAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love shares her personal journey of buying her dream home with cash. She discusses the importance of vision, discipline, and financial planning, as well as the emotional challenges she faced along the way. Kumiko emphasizes the significance of tracking progress, staying consistent, and believing in oneself, regardless of financial circumstances. Her story serves as an inspiration for anyone working towards their own financial goals, reminding listeners that they are capable of achieving their dreams.]KEY TAKEAWAYSEveryone's financial journey is different, and that's okay.Small savings can lead to significant success over time.Visualizing your dream home is crucial to achieving it.You must have a strategic financial plan to reach your goals.Listening to your heart is important in decision-making.Don't let others' opinions deter you from your dreams.Slow progress is still progress, and every step counts.OTHER RESOURCESWatch when I reveal to my son that I was able to buy us a home: https://youtu.be/QklH6gAVgjU?si=VFefvFXKtyO5tRRQRead the article: https://thebudgetmom.com/my-journey-to-buying-my-dream-home-with-cash/EPISODE CHAPTERS00:00 Introduction to the Journey02:45 The Dream of Homeownership06:04 Financial Planning and Vision08:54 The Decision to Buy with Cash12:11 Overcoming Challenges and Setbacks15:00 The Emotional Journey to Homeownership17:54 Investing for the Future21:13 The Importance of Tracking Progress24:05 Consistency and Small Goals26:51 The Final Steps to Homeownership30:05 Reflections on the JourneyAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this powerful episode, I sit down with Adina Appelbaum, an immigration lawyer, Accredited Financial Counselor, and co-founder of Immigrant Finance. We dive into how immigrants can take control of both their legal status and their financial future. Adina opens up about her journey and how her personal and professional experiences inspired her and her husband Mauricio to build a platform that helps immigrant families gain stability and create generational wealth. We talk about the most common financial myths in immigrant communities, how someone without a Social Security number can start building credit, and why financial empowerment is a critical part of the immigrant experience. Whether you're documented, undocumented, or somewhere in between, this conversation is filled with practical advice, encouragement, and real tools to move forward. 

In this episode of the Miko Love Podcast, host Kumiko Love explores the pervasive issue of perfectionism in the age of social media, particularly Instagram. She discusses how the definition of perfectionism has shifted from achievement to appearance, leading to emotional costs and pressures that affect not only adults but also children. Kumiko emphasizes the importance of redefining what 'enough' means and encourages listeners to choose presence over perfection in their lives.KEY TAKEAWAYSPerfectionism today is about being seen doing well, not just doing well.Social media has commercialized perfectionism, profiting off our insecurities.Perfectionism can chip away at our ability to show up honestly.'Enough' has been redefined by comparison rather than sufficiency.True contentment comes from resting and honoring our reality.IMPACTFUL QUOTES"To be accepted, they must be flawless.""Enough has been hijacked by comparison."EPISODE CHAPTERS00:00 Introduction to Perfectionism in the Social Media Era03:13 The Shift from Achievement to Appearance05:58 The Emotional Cost of Perfectionism09:14 Impact on Children and Future Generations12:00 Redefining 'Enough' and Choosing Presence Over PerfectionAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love podcast, host Kumiko Love shares her transformative journey from being over $77,000 in debt to achieving financial freedom & fulfillment. She reflects on the emotional and practical aspects of her experience, discussing the importance of family support, the challenges of budgeting, and the mindset shifts necessary for lasting financial success. Kumiko emphasizes that being debt-free is not just about the numbers, but about understanding one's relationship with money and the deeper motivations behind financial goals.EPISODE RESOURCESCreate a realistic budget that actually works: https://courses.thebudgetmom.com/p/building-blocks-of-budgetingWatch my Attack Your Debt Mini Lesson: https://youtu.be/aAutYJLHm00Read the article "My Debt Story – Accomplishing the Unimaginable": https://thebudgetmom.com/my-debt-story-accomplishing-the-unimaginable/EPISODE CHAPTERS00:00 Introduction to the Journey03:00 The Impact of Debt Freedom05:51 The Road to Debt Repayment11:59 Facing Financial Hardships18:10 The Role of Family and Support23:58 Building a Sustainable Budget29:49 The Importance of Mindset in Financial Success35:58 Life After Debt: New PerspectivesAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Achieving financial independence doesn't require a six-figure salary — just ask Jackie Koski. In this episode of Real Money, Real Experts, we sit down with Jackie Koski, an Accredited Financial Counselor and Certified Financial Planner who achieved financial independence in her 40s — all while earning less than six figures. Jackie shares her inspiring journey of overcoming poverty, divorce, and single motherhood to reach F.I.R.E. (Financial Independence, Retire Early). She breaks down her proven formula for building wealth, the importance of mindset in financial success, and how passing down financial wisdom can create a lasting legacy. Don't miss this empowering conversation filled with practical strategies for achieving financial freedom on your own terms.Show Notes:02:18 How Jackie Achieved Financial Independence on Less Than Six Figures08:37 The Heart Behind "Money Letters to My Daughter"11:10 Jackie's Proven Blueprint for Achieving F.I.R.E.14:16 Why Starting Late Could Be Your Greatest Advantage19:07 Embracing Your Strengths to Unlock Financial Success23:38 The Unexpected Power of the $2 Bill28:35 Jackie's 2 CentsShow Note Links:Connect with Jackie on LinkedInConnect with Jackie on IGSecure your copy of  “Money Letters 2 my Daughter" Secure your copy of “F.I.R.E. for Dummies” Learn more about Jackie and what she's up to here.Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

Send Jay comments via textWhat happens when a burnt-out attorney with $200,000 in student loan debt decides to completely transform her life as an empty nester? Join us as Jessica Medina candidly shares her experiences burdened with a staggering average student loan debt of $145,000. She discusses the emotional weight of student loans and why they require special consideration, alongside practical strategies for parents approaching college funding conversations with their children.The conversation takes a personal turn as Jessica prepares for her own empty nest. After raising twins as a single mom while juggling her legal career, she found love and began plotting her “second chapter” with her husband, which included developing the financial skills necessary to leave law behind and pursue their dream of vineyard ownership in Asheville, North Carolina.Highlights:The emotional burdens associated with student debt and its impact on effective financial planning.Strategies for open conversations about college funding expectations with children.Key Takeaways:Addressing student loan debt requires unique strategies and emotional awareness.Early discussions about college funding can alleviate future stress and miscommunication.Join us for this insightful episode as we explore Jessica's journey and her wisdom on navigating the challenges of student debt, redefining personal identity in mid-life, and building a vibrant community as an empty nester. Jessica Medina's BioJessica Medina is a lawyer turned Accredited Financial Counselor on a mission to help attorneys create the financial freedom they need to do big things. She graduated from Columbia Law School in 2004 as a single mom of twins with over $200,000 in student loans and went straight to work at a Biglaw firm. After eight years she switched roles and became Senior Counsel at the Division of Enforcement at the United States Securities and Exchange Commission. She left the government to work in an area of the financial industry outside of the securities world and now teaches other lawyers how to use their money to finance their dream lives.You can find Jessica online: LinkedIn, Instagram, Facebook, WebsiteSupport the showFREE WORKBOOK3 Steps to Loving Your Empty Nest Life ENJOY THE SHOW?Don't miss an episode, subscribe via Apple Podcasts or follow on Spotify and many more. LOVE THE SHOW?Get your THIS EMPTY NEST LIFE swagReview us on Love the Podcast, Apple Podcasts, or Spotify -- reviews and ratings help others find us and we'd appreciate your support greatly.CONNECT WITH JAYEmail, LinkedIn, Instagram, or TikTok

In this episode of the Miko Love podcast, host Kumiko Love engages with wellness expert Kristel Bauer to explore the complexities of work-life balance. They discuss whether true balance is achievable or merely a myth, the evolution of balance in modern life, and the importance of defining personal balance based on individual values and priorities. The conversation emphasizes the significance of mindfulness, community support, and the need to embrace imperfection in the pursuit of a fulfilling life. Listeners are encouraged to reflect on their own definitions of balance and to seek resources that support their well-being.KEY TAKAWAYSThe concept of balance has evolved with technology and modern work culture.Finding inner balance is more important than striving for external balance.Personal definitions of balance vary and should reflect individual values.Community support is crucial in navigating work-life challenges.Living a fulfilling life involves prioritizing meaningful relationships and experiences.Embracing imperfection can lead to a more satisfying pursuit of balance.Asking for help is a sign of strength, not weakness.EPISODE CHAPTERS00:00 Exploring Work-Life Balance: Myth or Reality?02:53 The Evolution of Balance in Modern Life06:51 Defining Personal Balance: Individual Perspectives11:06 Finding Inner Balance: The Work-Life Tango15:41 Mindfulness and Daily Habits for Stress Management20:45 The Importance of Community and Support23:19 Living a Fulfilling Life: The Bigger Picture27:22 Embracing Imperfection in the Pursuit of Balance32:34 Finding Resources and Support for BalanceABOUT KRISTELKristel Bauer is a top Keynote Speaker, corporate wellness and performance expert sharing insights for more happiness and success. Bauer is the author of Work-Life Tango: Finding Happiness, Harmony & Peak Performance Wherever You Work and she is the host of the "Live Greatly" podcast.More from Kristel:➡️ Order her book, Work-Life Tango: Finding Happiness, Harmony and Peak Performance Wherever You Work: https://bit.ly/3DUdPgs➡️ Listen to her podcast, Live Greatly: https://podcasts.apple.com/us/podcast/live-greatly/id1500457853➡️ Find her on Instagram: https://www.instagram.com/livegreatly_co/About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love speaks with Maya Corbic, a financial educator passionate about teaching kids about money. They discuss the importance of financial literacy in today's consumer-driven society, the impact of social media on children's spending habits, and effective methods for teaching financial concepts to kids of different ages.Maya shares her journey from being a first-generation immigrant to becoming a CPA and a financial educator, emphasizing the need for parents to be transparent about money and to instill good financial habits in their children. They also explore various allowance methods, the significance of investing for kids, and how to encourage saving over spending. The conversation concludes with success stories that highlight the importance of building confidence in financial literacy.EPISODE CHAPTERS>> 00:00 Introduction to Financial Literacy for Kids>> 03:02 Maya's Journey: From Immigrant to Financial Educator>> 06:10 The Importance of Financial Literacy in a Consumer Society>> 08:56 Navigating Social Media's Impact on Kids' Spending Habits>> 12:00 Teaching Financial Concepts to Different Age Groups>> 14:59 Allowance Methods: Balancing Work and Financial Education>> 17:58 Conversations About Money: Transparency with Kids>> 20:58 Investing for Kids: Starting Young>> 23:47 Encouraging Saving Over Spending>> 26:58 Balancing Financial Independence with Providing for Kids>> 30:10 Success Stories: Building Confidence in Financial LiteracyABOUT MAYAMaya Corbic, CPA, CA is the author of a kids' book "From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor" and the founder of the Wealthy Kids Investment Club. Her popular Instagram account @teach.kids.money that has 171K+ subscribers inspires parents to raise financially independent kids.Her work has been featured in CBS News, NBC, ABC, Fox, CP24, etc.The Book, From Piggy Banks To Stocks, The Ultimate Guide for a Young Investor  https://amzn.to/41590KoThe Free 4-Step Cheat Sheet on How I Successfully Invest With My Kids https://www.wealthykids.club/4-step-cheat-sheetMy Wealthy Kids Investment Club https://www.wealthykids.club/About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

64% of veterans will leave initial first post-military job in the first two years! Repeat guest Kate Horrell joins us again to discuss her thought-provoking post on this topic. Of course there are always outliers and unique circumstances, but in genral we hope this conversation helps you slow down and question the pressure to "stabilize" and find your "perfect, dream home" immediatley after you leave active duty.  Main reasons to consider renting for 1 or 2 more years include: Employment instability Effect of stress on decision-making Financial upheaval and the unknowns Links we mentioned: Kate's article "Don't buy a house when leaving active duty" The Syracuse University study  KateHorrell.com Kate's Military Family's Confidently Prepared™ Life Binder Kate's new book on the GI Bill (coming ~4/15/25) Kate Horrell is an Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner®. She's also the spouse of a retired sailor and mom of four young adults. She writes about the financial issues that affect military families - pay, allowances, and benefits. Plus college stuff, landlording, moving, taxes. We cover a little bit of everything. Her goal is to give you the tools to make the best decisions right now, so you'll be confidently prepared for whatever comes next - whether that's a PCS move, transition to civilian life, or retirement. For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

In this episode of the Miko Love podcast, host Kumiko Love discusses the critical issue of running safety for women. As she trains for her first ultra marathon, she reflects on the risks women face while running, sharing personal experiences and tragic stories of women who have been harmed or murdered. Kumiko emphasizes the importance of safety precautions, community support, and raising awareness about these issues to create safer environments for all runners.KEY TAKEAWAYSEvery woman who runs has to think about safety.Women face unique risks while running.Statistics show that 84% of women have been harassed while running.Self-defense tools can provide an extra layer of protection.Community support is crucial for safety.We need to demand safer communities for all.Raising awareness is essential to change the narrative.EPISODE CHAPTERS>> 00:00 Introduction to the Journey>> 01:01 The Reality of Running Safety for Women>> 05:20 Heartbreaking Stories of Women Runners>> 08:11 Precautions for Personal Safety>> 14:36 The Need for Safer Communities>> 18:48 Raising Awareness and ConclusionLINKS MENTIONED IN THE EPISODE:Self-defense running tool Go Guarded: https://goguarded.com/Garmin LiveTrack Feature: https://support.garmin.com/en-US/?faq=HbqxxbiBGA3mDhlLX4GUw8About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this deeply personal episode of the Miko Love Podcast, host Kumiko Love shares her journey through grief following the unexpected loss of her mother. She discusses the challenges faced in navigating the autopsy process, the lack of information provided by hospitals, and the emotional turmoil that ensued.Kumiko advocates for legislative change through 'Shirley's Law,' aimed at ensuring families are informed of their rights and options regarding autopsies. The episode emphasizes the need for transparency and compassion in healthcare, especially during times of loss.SIGN & SHARE THE PETITIONhttps://chng.it/ZHYFSQqjv8EPISODE CHAPTERS00:00 Introduction to a Personal Journey01:30 The Unexpected Loss of a Loved One06:15 Navigating Grief and Autopsy Decision12:20 Advocating for Autopsy Rights15:50 Call to Action and Legislative ChangeAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In the Season 6 premiere of Real Money, Real Experts, we're joined by 2025 Board President and our new co-host Dr. Brandy Baxter, AFC®️, the powerhouse behind Living Abundantly and Envision 30. As an Accredited Financial Counselor®️, financial coach, and strategic leader, Brandy helps individuals and organizations think from the future to achieve financial success. With a wealth of experience—including her service in the U.S. Air Force, leadership in financial education, and dedication to community building—Brandy brings a unique perspective on how forgiveness plays a crucial role in financial well-being.Join us as we discuss the power of community, the importance of elevating diverse voices in financial coaching, and how simple steps like storytelling can make planning for the future less intimidating. Brandy's insights will leave you inspired to take action, forgive financial mistakes, and embrace abundance.Tune in and take your seat at the table—because we're all more powerful when we come together.Show Notes:2:00 Introducing our new co-host...Dr. Brandy Baxter2:12 What led Brandy to AFCPE09:03 Brandy's hope for her presidency11:43 How serving on the AFCPE Board of Directors has impacted Brandy's journey15:59 Why the AFC matters20:02 Looking ahead for the future of Real Money, Real Experts22:33 Brandy's 2 centsShow Note Links: Connect with Brandy on Linkedin!Connect with Brandy on Instagram at  @brandys2cents4uWant to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

“The way of a fool is right in his own eyes, but a wise man listens to advice.” - Proverbs 12:15It's good to learn from your mistakes, but it's even better to learn from someone else's. Rachel Wong joins us today with three big financial mistakes that young adults often make…so you can avoid them.Rachel Wong is an Accredited Financial Counselor® and the creator of Open Hands Finance: a biblically-based content curriculum that teaches money skills to emerging adults.Money Missteps: 3 Easy Mistakes To Avoid As A Young AdultMoney management is a crucial skill, especially for young adults just starting their financial journey. Here are three key financial mistakes young adults often make and how to avoid them: 1. Waiting to Save for RetirementMany young adults think they'll start saving for retirement once they “make more money.” This delay can cost them valuable years of compound interest. Starting in your 20s is like taking a leisurely walk—manageable and effective. Waiting even a few years turns the journey into a sprint.Tip: Open a Roth IRA and start contributing small amounts monthly. Even $25 a month can grow significantly over time.2. Waiting to Start GivingSome believe they'll start giving once they earn a larger paycheck. But let's remember the story of the widow's mite. Despite her poverty, she gave anyway, reminding us of what it means to be faithful in our giving, regardless of our income.Tip: Begin giving a small, regular percentage of your income now. It's not just about generosity—it's about developing a habit that aligns your heart with God's abundance.3. Relying on Willpower for SavingsManually setting aside money every month can be challenging. That's why automating our savings can help when we struggle with consistency.Tip: Automate savings and retirement contributions. Set up a monthly transfer to ensure consistency, regardless of life's demands.Teaching Young Adults to Manage Money BiblicallyOpen Hands Finance combines biblical wisdom with actionable exercises, such as setting up a budget and opening a Roth IRA. The program includes a unique matching incentive—sponsored by parents, universities, or third parties—to encourage participation.The curriculum's student-led approach makes it relatable and impactful. It's not just theoretical; it equips participants with tools to live below their means, practice generosity, and plan for the future.If you're a college student or young professional—or know someone who could benefit—visit OpenHandsFinance.com to learn more about the curriculum and resources.Money is a resource God has entrusted to us. Managing it wisely allows us to live generously and reflect His abundance. Start today and set yourself on a path of faith-filled financial stewardship.On Today's Program, Rob Answers Listener Questions:What are your thoughts about a company called Thrivent Financial? Are they a reputable and trustworthy company that does a good job? Also, would moving around $150k from my 401(k) into an annuity with a 1.1% fee and a 6% guarantee be a good move?Can I do a home equity line of credit to pay off some of my debt, like a few credit cards and some accumulated bills?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly PublicationOpen Hands FinanceLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

In this episode of the Miko Love Podcast, host Kumiko Love reflects on the significance of choosing a word for the year as a guiding principle for personal growth.She shares her own word for 2025, 'consistency,' and discusses how it has shaped her journey. Kumiko emphasizes the importance of small, consistent actions in achieving goals and encourages listeners to select their own words for the year, providing practical steps to do so.The episode concludes with a reflection on the past year and a motivational message for the new year ahead.KEY TAKEAWAYSChoosing a word for the year can be transformative.Small actions lead to significant results over time.Reflection on the past year is essential for growth.Your chosen word should resonate with your personal goals.It's important to show up for yourself consistently.Progress is not always linear; embrace the journey.Celebrating small victories is crucial for motivation.Creating a vision board can help keep your word visible.The new year is about continuing your journey, not starting over.IMPACTFUL QUOTES"Real change comes from the simple act of doing.""Progress isn't always linear and that's okay."EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 00:30 Reflecting on the New Year>> 01:54 The Tradition of Choosing a Word for the Year>> 03:51 Kumiko's Word for 2025: Consistency>> 07:42 Implementing Consistency in Daily Life>> 10:28 Choosing Your Own Word for the Year>> 12:50 Reflecting on 2024 and Looking Ahead to 2025About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this reflective episode, Kumiko Love, the host of the Miko Love Podcast, shares insights from the first season, highlighting key moments, listener engagement, and the importance of community.She discusses standout episodes, including topics like invisible labor and investing for beginners, and emphasizes the lessons learned throughout her podcasting journey. Looking ahead, she teases exciting topics for season two, including mental health and financial empowerment, while expressing gratitude for her audience's support.KEY TAKEAWAYSThe podcast achieved over 35,000 downloads in its first season.Starting messy is better than not starting at all.Chasing perfection hinders progress in any journey.Season two will include new guests and solo episodes.Listener feedback is crucial for shaping future content.The journey continues even during the podcast break.EPISODE CHAPTERS>> 00:00 Reflecting on Season One>> 02:55 Key Takeaways from Notable Episodes>> 05:49 Looking Ahead to Season TwoAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode, Joe welcomes back Air Force Veteran Lacey Langford, founder of MILMO, host of the MILMO podcast, and creator of MilMoneyCon. Lacey shares her transition journey from active duty, navigating the challenges of balancing her career with the demands of military life as a spouse. Determined to build a PCS-proof business, Lacey combined her passion for supporting the military community with her entrepreneurial spirit. Through MILMO, she's creating a supportive community for military families in the world of personal finance. This platform not only empowers service members but also unites a network of dedicated financial professionals who share a connection to military service. Lacey discusses the inspiration behind her podcast and the driving force behind founding MilMoneyCon. She explains how she continues to cultivate and grow this community year after year. MilMoneyCon offers a unique opportunity for financial professionals to connect, learn, and share their knowledge with the next generation of financial experts. The next MilMoneyCon will be held in San Antonio, TX, from May 15-17. Episode Resources:  MilMoneyCon MILMO About Our Guest    Lacey Langford is an Air Force veteran, military spouse, speaker, and financial coach who changes people's lives from being fearful of money to having control and confidence with it. She's an Accredited Financial Counselor® with over 15 years of financial planning, counseling, and coaching experience. Lacey's the founder of MILMO®, a community dedicated to helping the U.S. military with personal finance. She's the host of the MILMO® Show, a podcast that helps the military community make, save, and invest money wisely. Lacey is also the founder and CEO of MilMoneyCon™️, a national conference for financial professionals united by military service.   About Our Sponsors Navy Federal Credit Union   The holidays are upon us and all those travel and gift expenses are piling up. With Navy Federal Credit Union's NEW cashRewards Plus card you'll earn unlimited 2% cash back on every purchase. We use our Navy Federal cash rewards card for all of our purchases throughout the year. Another great thing about the NEW cashRewards Plus card is you never have to pay attention to changing spend categories. You can spend your 2% cash rewards on anything you want, not just everyday purchases. With a $2k spend you'll receive 200 dollars cash back and a Walmart Plus annual membership. They also never limit how much you can earn from your spending. Sound too good to be true? Learn more at here.  At Navy Federal, our members are the mission.        Join the conversation on Facebook! Check out Veteran on the Move on Facebook to connect with our guests and other listeners. A place where you can network with other like-minded veterans who are transitioning to entrepreneurship and get updates on people, programs and resources to help you in YOUR transition to entrepreneurship.   Want to be our next guest? Send us an email at interview@veteranonthemove.com.  Did you love this episode? Leave us a 5-star rating and review!  Download Joe Crane's Top 7 Paths to Freedom or get it on your mobile device. Text VETERAN to 38470. Veteran On the Move podcast has published 500 episodes. Our listeners have the opportunity to hear in-depth interviews conducted by host Joe Crane. The podcast features people, programs, and resources to assist veterans in their transition to entrepreneurship.  As a result, Veteran On the Move has over 7,000,000 verified downloads through Stitcher Radio, SoundCloud, iTunes and RSS Feed Syndication making it one of the most popular Military Entrepreneur Shows on the Internet Today.

In this episode of The Miko Love Podcast, host Kumiko Love uncovers the unseen world of invisible labor—the mental and emotional work that keeps households running yet often goes unrecognized.Kumiko explores the different forms of invisible labor, from the mental load of planning and organizing to the emotional labor of managing relationships. She dives deep into its emotional and societal toll, revealing how this imbalance disproportionately affects women and impacts families and communities.Through heartfelt insights and research-backed examples, Kumiko sheds light on why this hidden work matters and why it's time to start acknowledging and redistributing it. The episode wraps up with actionable strategies for fostering healthier relationships, creating equity at home, and valuing the labor we don't always see.IMPACTFUL QUOTES"Invisible labor is the mental load we carry.""You're not failing when you ask for help.""The work you do matters, even if unseen."KEY TAKEAWAYSInvisible labor is the mental load we carry.It often falls disproportionately on women.Invisible labor can cause burnout and resentment.Cognitive, emotional, and anticipatory labor are key types.Invisible labor affects mental health and relationships.Recognition of invisible labor is crucial for equity.Societal norms contribute to the invisibility of this labor.Open conversations can help redistribute responsibilities.Teaching children about shared responsibilities is vital.Asking for help is a sign of strength, not failure.EPISODE CHAPTERS00:00 Introduction to Invisible Labor 02:52 Understanding the Concept of Invisible Labor06:09 The Emotional Toll of Invisible Labor08:58 Types of Invisible Labor11:53 The Societal Impact of Invisible Labor15:11 Solutions and Moving ForwardAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko Love sits down with Jeremy Schneider, the founder of @PersonalFinanceClub, to make investing less intimidating and more accessible. Jeremy shares his inspiring journey from a struggling entrepreneur to achieving financial independence, offering straightforward strategies and lessons for anyone looking to build wealth.They cover:The essential steps to start investing and build confidence.Budgeting and living below your means to free up money for investments.How to use target date index funds and three-fund portfolios for a simple, effective investment strategy.The role of compound interest in accelerating wealth-building.Common investing mistakes to avoid, including chasing trends or market timing.Kumiko also introduces Hello Nectarine, Jeremy's new service designed to offer accessible, conflict-free financial advice, empowering listeners to take control of their finances with confidence.If you're ready to demystify investing and make smarter money moves, this episode is packed with practical tips and inspiration to help you get started.IMPACTFUL QUOTES"Live below your means, invest early and often.""Simplicity serves the individual investor."EPISODE CHAPTERS00:00 Introduction to Investing Basics 10:10 Key Principles of Wealth Building20:01 Understanding Investment Accounts30:06 Choosing Investments: Simplicity vs. Complexity39:00 The Three Fund Portfolio Explained45:11 The Power of Compound Interest48:07 Introducing Hello Nectarine: A New Financial ServiceABOUT JEREMYJeremy Schneider is a successful entrepreneur and personal finance expert! After starting an internet company in college and selling it at the age of 34 for over $5M and retiring at 36, Jeremy has dedicated his life to teaching personal finance. He founded Personal Finance Club, a community of champions of the individual investor who help further financial education and went on to found Nectarine, an advice-only financial advisor marketplace. Jeremy likes playing beach volleyball and writing bios about himself in the third person.Instagram: instagram.com/personalfinanceclub Website: personalfinanceclub.comAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, host Kumiko Love, an Accredited Financial Counselor (AFC), sits down with Jessica Moorhouse, an Accredited Financial Counselor Canada (AFCC), to explore the unique aspects of their certifications and their shared passion for financial education.They discuss their journeys to becoming accredited, the challenges of working in financial counseling, and the importance of regulatory oversight in the industry. The conversation highlights the shift from one-on-one client work to broader educational efforts, emphasizing financial literacy, budgeting, and support for underserved communities.Jessica also shares insights from her upcoming book, delving into the emotional barriers to financial success and the importance of self-identity, happiness, and community in fostering a healthy relationship with money. EPISODE CHAPTERS00:00 Introduction to the AFC Designation02:46 The Unique Value of AFC Counseling06:02 Personal Journeys to Becoming AFCs09:11 The Importance of Financial Education12:03 Challenges in the Financial Counseling Field14:51 Navigating the Financial Industry Landscape17:57 The Role of Regulatory Bodies21:07 Transitioning from One-on-One to Mass Education26:21 The Foundation of Financial Education30:33 Understanding Yourself Before Your Money31:58 The Hidden Barriers to Financial Freedom36:37 The Toxic Relationship with Money40:52 Finding Happiness Beyond Financial Success45:47 The Importance of Self-Identity48:13 Book Release and Community ConnectionABOUT JESSICAJessica is a sought-after money expert, TV personality and speaker. She is an Accredited Financial Counsellor Canada®, an award-winning financial content creator and the host of the chart-topping More Money Podcast (4+ million downloads). As a personal finance educator for over 12 years, she has given presentations throughout North America and is regularly featured by major Canadian and US media including CBC News, CTV News, BNN Bloomberg, the Toronto Star, Forbes and USA Today. Her debut book Everything but Money: The Hidden Barriers Between You and Financial Freedom comes out on December 31, 2024 (HarperCollins Canada).  Website: https://jessicamoorhouse.com Podcast: https://jessicamoorhouse.com/podcast Book: https://jessicamoorhouse.com/boAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love discusses the psychological tactics used by retailers during the holiday season that often lead consumers to overspend.She explores various marketing strategies such as scarcity, social proof, emotional marketing, and the influence of technology on consumer behavior. Kumiko also provides practical strategies for listeners to maintain a strict holiday budget and make intentional purchasing decisions, emphasizing the importance of experiences over material gifts.KEY TAKEAWAYSThe holiday season is filled with marketing tactics that can lead to overspending.Understanding consumer psychology can help you make informed decisions.Scarcity and urgency are powerful motivators in retail marketing.Emotional marketing plays a significant role in holiday spending.Awareness of your emotions is crucial to resisting unnecessary purchases.Retailers use anchoring to skew your perception of value.Door buster deals are designed to lure you into stores for bigger purchases.Countdown timers create a false sense of urgency to buy.Buy more, save more promotions often lead to unnecessary spending.Setting a strict holiday budget can help you avoid impulse purchases.EPISODE CHAPTERS>> 00:00 Navigating Holiday Spending: An Introduction>> 04:37 Understanding Marketing Tactics: The Psychology Behind Spending>> 09:04 Sneaky Sales Strategies: How Companies Manipulate Prices>> 14:12 The Role of Technology: Targeted Ads and Influencer Marketing>> 18:31 Staying Disciplined: Strategies for Smart Holiday SpendingAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, host Kumiko Love and therapist Laura Caruso dive into attachment styles and their impact on relationships. They unpack the origins and types—secure, anxious, avoidant, and disorganized—and discuss how childhood experiences shape these patterns. The conversation highlights the importance of self-awareness, the potential for change, and the value of therapy in breaking generational cycles.Kumiko and Laura also explore the link between attachment styles and narcissism, the role of confidence in building secure relationships, and the complexities of parenting and emotional regulation. They share insights into overcoming fears as parents and emphasize the power of communication and seeking support for healthier relationships and family dynamics.EPISODE CHAPTERS>> 00:00 Introduction to Attachment Styles>> 02:49 Understanding Attachment Theory>> 06:04 Types of Attachment Styles>> 08:45 Impact of Childhood on Attachment>> 12:09 Identifying Your Attachment Style>> 15:04 Narcissism and Attachment Styles>> 17:58 Evolving Attachment Styles>> 21:09 Building Secure Attachments>> 23:30 Navigating Parenting Fears and Responsibilities>> 27:15 Understanding Attachment Styles in Relationships>> 31:34 The Impact of Life Events on Attachment Styles>> 38:00 Regulating Emotions and Seeking Reassurance>> 41:24 Attachment Styles and Major Life TransitionABOUT LAURALaura is a therapist and relationship expert based in New York City. She practices from a relational lens and prides herself as a down-to-earth and “no bullshit” therapist. She is working on a revolutionary, self-customized course called Wired for Connection (W4C) to help you reprogram attachment for stronger, healthier relationships, which launches December 1st. You can follow her on Instagram for updates about the launch, including major discounts for pre-registration.Instagram: https://www.instagram.com/lauracaruso.therapy/ Website: https://www.wellpsychnyc.com/ About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love podcast, host Kumiko Love delves into the complex topic of spending guilt, exploring its emotional and psychological roots, societal pressures, and practical strategies to overcome it. Kumiko emphasizes the importance of reframing one's mindset about spending, viewing money as a tool for enhancing life rather than a source of stress. She provides actionable strategies such as value-based spending, creating a guilt-free spending fund, and practicing gratitude to help listeners cultivate a healthier relationship with their finances.IMPACTFUL QUOTES"Spending is often equated with recklessness.""Spending money isn't a moral failing.""Money is a tool, and it is meant to be used.""Embrace the concept of enough to let go of guilt."EPISODE CHAPTERS>> 00:00 Introduction to Spending Guilt>> 03:07 Emotional Roots of Spending Guilt>> 05:53 Psychological Factors Behind Spending Guilt>> 09:09 Societal Pressures and Spending Guilt>> 11:52 Reframing Your Mindset on Spending>> 15:08 Practical Strategies to Overcome Spending Guilt>> 17:53 Conclusion and Key TakeawaysKEY TAKEWAYSSpending guilt is a common emotional experience.Upbringing influences our beliefs about money and spending.Societal pressures equate financial responsibility with frugality.Spending can be part of a healthy financial life.Recognizing money as a tool can shift your mindset.Value-based spending aligns purchases with personal values.Practicing gratitude can reduce feelings of guilt after spending.Tracking emotional spending triggers helps identify patterns.Embracing the concept of enough can alleviate spending guilt.Intentional spending enhances financial well-being.About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love delves into the pervasive issue of comparison, particularly in the context of social media. She discusses how comparison can rob individuals of joy and self-worth, leading to anxiety and distress.Kumiko emphasizes the importance of embracing one's unique journey and offers actionable strategies to combat the negative effects of comparison, including practicing gratitude, setting personal goals, and limiting social media exposure. The episode encourages listeners to focus on their own growth and celebrate their achievements, no matter how small.IMPACTFUL QUOTES"Comparison really is the thief of joy.""You're comparing your entire full story to someone else's edited version.""Gratitude is a powerful antidote to envy."EPISODE CHAPTERS>> 00:00 Introduction to Comparison and Its Impact>> 06:02 The Role of Social Media in Comparison>> 12:14 Embracing Your Unique Journey>> 17:54 Strategies to Overcome ComparisonKEY TAKEWAYSComparison is harmful and can chip away at self-worth.Social media often presents a highlight reel, not reality.Gratitude shifts focus from lack to abundance.Your journey is unique; stop measuring against others.Limit social media exposure to reduce comparison triggers.Celebrate your own wins, no matter how small.Surround yourself with positive influences.Mindfulness helps refocus on your own path.Setting personal goals aligned with values is key.Digital detox can provide mental space for self-reflection.About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love dives into a variety of topics centered around personal finance, budgeting, and the journey of financial fulfillment. She shares her own experiences as The Budget Mom, discusses the importance of motivation versus self-discipline in budgeting, and offers insights on balancing family spending with long-term financial goals. Kumiko also emphasizes the significance of teaching children about money management, shares success stories from her community, and provides practical advice on building an emergency fund and handling joint finances in relationships.KEY TAKEAWAYSFinancial freedom and financial fulfillment are two different concepts.Staying motivated in budgeting requires self-discipline and routine.Life events can shift your perspective on spending and saving.Sinking funds help manage holiday spending stress-free.Teaching kids about money involves showing them how to provide value.EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 01:26 The Journey of The Budget Mom>> 09:22 Staying Motivated on a Budget>> 15:27 Balancing Family Spending and Long-Term Goals>> 20:04 Managing Holiday Spending with Sinking Funds>> 25:18 Teaching Kids About Money>> 30:00 Success Stories from the Budget Mom Community>> 34:15 Building an Emergency Fund>> 38:13 Handling Joint Finances in RelationshipsAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love engages with spending coach Paige Pritchard to explore the emotional and psychological aspects of spending.They discuss how emotional triggers, such as boredom and sadness, lead to impulse shopping and overspending. The conversation emphasizes the importance of self-awareness, understanding one's triggers, and developing healthier spending habits.They also touch on the impact of social media on consumer behavior and the value of delayed gratification in financial decision-making. The episode concludes with practical advice for listeners on how to navigate their spending habits with compassion and understanding.IMPACTFUL QUOTES"Emotional spending will always be part of our lives.""100% of the spending that you do is emotional spending.""Boredom is probably the most common trigger."EPISODE CHAPTERS>> 00:00 Introduction to Emotional Spending>> 02:47 Understanding Emotional Triggers>> 06:08 The Role of Environmental Triggers>> 08:54 Identifying Internal and External Triggers>> 12:14 The Three A's of Spending Awareness>> 15:04 Creating Healthy Spending Habits>> 18:00 The Importance of Delayed Gratification>> 20:50 Social Media's Impact on Spending>> 23:52 Finding Balance in Retail Therapy>> 26:47 Conclusion and ResourcesABOUT PAIGEPaige Pritchard is a spending coach who helps women overcome impulse shopping and overspending. After struggling with her own spending habits and blowing through her $60,000 salary at 22, she turned her finances around by paying off $40,000 in student debt, cash flowing her MBA, and building a six-figure investment portfolio by 29. A certified life coach since 2020, Paige now coaches thousands of women through her podcast, The Money Love Podcast, and her group coaching membership, Overcoming Overspending. Her work has been featured in NBC News, The Washington Post, BuzzFeed, and more.Instagram: @overcoming_overspendingPodcast: The Money Love PodcastFree Masterclass: Why You Impulse Shop & How To StopWork with Paige: Overcoming Overspending MembershipAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

Julianne Miller, AFC is an Accredited Financial Counselor and coach who is dedicated to helping her clients develop financial confidence. She loves helping clients, who initially feel financially disorganized, create a simple system for their money that puts them in control. Julianne's approach allows her clients to quickly begin paying down debt, starting to save and stop feeling stressed or overwhelmed about money. She understands that life obstacles often get in the way of money, so she focuses on both the practical and the emotional side of money. Julianne's Website: Life Money Management From James: FREE Passive Income Masterclass (profityourknowledge.com)

In this episode of the Miko Love Podcast, host Kumiko Love dives into the world of sourdough baking with expert Andra Stefanescu. They discuss the journey of sourdough, its health benefits, and the rise in popularity during the COVID-19 pandemic. Andra shares her personal experiences, tips for beginners, and the importance of understanding the process behind sourdough baking. The conversation also touches on the mental health benefits of baking, the essential tools and ingredients needed, and the significance of community support in starting this rewarding hobby.EPISODE CHAPTERS>> 00:00 Introduction to Sourdough Passion>> 05:24 Andra's Sourdough Journey>> 11:10 The Rise of Sourdough During COVID>> 16:55 Health Benefits of Sourdough>> 21:36 Getting Started with Sourdough>> 27:23 Essential Tools and Ingredients>> 32:03 Achieving the Perfect Crust and Crumb>> 39:40 Understanding Sourdough Discard>> 43:26 Coaching and Classes in Sourdough Baking>> 50:33 Mental Benefits of Sourdough BakingYou can watch me make sourdough here!ABOUT ANDRAAndra Stefanescu is a self taught sourdough home baker, passionate not only about making bread, but also about helping others get on the sourdough journey or improve their bakes.She's been making sourdough bread for 5 years, as nothing quite compares to it. It's the joy of a fresh warm loaf of bread and sharing it with others, controlling what goes in, the health benefits, but also the therapeutic effect of handling dough. And above all, it's fascinating how with just three ingredients, water, flour and salt, you can make the most delicious bread at home.Andra is offering Online Sourdough Courses, as well as One to One Coaching for those having very specific questions or challenges they need support with.Follow Andra on Instagram!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love interviews Randi Orm, an accomplished ultra marathon runner and coach. They discuss Randi's inspiring journey in running, the emotional connections to the sport, and the importance of mental toughness.Kumiko shares her own running experiences and goals, including her transition from casual running to preparing for her first marathon and aspirations for ultra marathons. The conversation also touches on balancing running with life commitments, nutrition for endurance athletes, and the challenges faced during Randi's participation in the reality show Race to Survive New Zealand. The episode concludes with a powerful message about the transformative impact of running on personal growth and emotional healing.IMPACTFUL QUOTES"You don't need to be fast or go far to be a runner."EPISODE CHAPTERS>> 00:00 Introduction to the Miko Love Podcast>> 05:19 Meet Randi Orme: A Running Inspiration>> 08:39 The Emotional Connection to Running>> 14:51 Starting Your Running Journey>> 18:39 Building Mental Toughness in Running>> 38:55 Balancing Running with Life Commitments>> 49:57 Transitioning from Marathon to Ultra Marathon>> 01:15:27 Challenges Faced on Race to Survive New Zealand>> 01:23:03 The Impact of Running on LifeKEY TAKEWAYSConsistency is key when starting a running journey.It's okay to walk during a race; it doesn't make you less of a runner.Nutrition plays a crucial role in endurance training.ABOUT RHANDIRhandi Orme is a dedicated running coach and personal trainer with over 21 years of experience, residing in Northern Utah with her husband and five kids. As an ultra marathon champion and accomplished athlete, Rhandi has set impressive personal records, including a 1:23 half marathon, a 3:03 marathon, and an 18-hour 100-miler. She's also an ironman triathlete and mountaineer.Beyond her athletic achievements, Rhandi was a cast member on the hit USA Network TV show "Race to Survive New Zealand." When she's not coaching or running, you can find her enjoying the outdoors with her family, cooking, baking, or diving into a good book.Check out Rhandi's website for more details on her coaching program, where she helps runners of all levels achieve their personal bests and conquer new challenges!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this special episode, Kumiko Love answers your most pressing questions submitted by listeners! From budgeting tips and financial strategies to personal insights and life advice, Miko dives deep into the topics that matter most to you. Tune in for a candid, informative, and inspiring conversation tailored to your curiosities and concerns.Today's questions include:The hardest part of being an entrepreneur: Kumiko shares the challenges she faces in running her business.Best high-yield savings accounts: She provides recommendations for high-yield savings accounts.Next dream to conquer: Kumiko discusses her next personal or professional goal.Buy now, pay later options: She offers insights into using buy now, pay later services.Favorite Peloton instructors: Kumiko shares her top Peloton instructors and how they motivate her.Challenges of being a mom: She talks about balancing motherhood with other responsibilities.Starting over on a debt-free journey: Kumiko provides advice for those starting over in their journey to become debt-free.Managing finances with ADHD: She discusses strategies for managing finances while living with ADHD.Applying money to debt after paying bills: Kumiko explains how to allocate funds toward debt after covering monthly expenses.Journey towards minimalism: She shares her experiences and progress toward adopting a minimalist lifestyle.Setting clear financial goals: Kumiko emphasizes the importance of setting clear and actionable financial goals.High-Yield Savings AccountLooking for a safe and smart way to grow your savings? I personally use and love Ally's High-Yield Savings Account. With competitive interest rates, zero monthly maintenance fees, and easy access to your funds, it's a great option for anyone looking to maximize their savings without any hassle. Whether you're saving for a big goal or just want to see your money work harder for you, Ally makes it simple to stay on top of your financial game.Learn more about Ally High-Yield Savings Accounts HEREEPISODE CHAPTERS>> 00:00 Introduction and Overview>> 00:51 The Challenges and Rewards of Being an Entrepreneur>> 06:06 Choosing the Best High-Yield Savings Account>> 11:22 Conquering Dreams: Early Retirement and Homesteading>> 15:24 Favorite Peloton Instructors: Jess Sims and Rebecca KAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode, Kumiko Love discusses the importance of setting boundaries in various areas of life, including emotional, mental, physical, financial, and personal. She shares her personal journey and struggles with setting boundaries and provides practical tips for establishing and maintaining them. Kumiko emphasizes the significance of saying no without guilt, walking away from toxic relationships, giving oneself permission to have privacy, prioritizing time and energy, making self-care a non-negotiable, and setting financial boundaries. She also encourages listeners to embrace the courage to disappoint others and prioritize their own well-being.IMPACTFUL QUOTES"Setting boundaries is self-care.""When you say no to something that doesn't serve you, you're saying yes to something that does.""It's okay to love someone from afar."EPISODE CHAPTERS>> 00:00 Introduction and Overview>> 03:19 The Power of Setting Boundaries>> 05:17 Saying No Without Guilt>> 09:38 Walking Away from Toxic Relationships>> 12:29 Giving Yourself Permission to Have Privacy>> 18:17 Prioritizing Time and Energy>> 20:40 Making Self-Care Non-Negotiable>> 25:28 Setting Financial Boundaries>> 28:37 Embracing the Courage to Disappoint Others>> 31:00 ConclusionMy Journey to Buying My Dream Home With CashAbout Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko Love chats with C-section recovery specialist Nicole Alfred.Nicole opens up about her personal journey, emphasizing the importance of scar massage, proper postpartum care, and the challenges of both physical and emotional recovery.They also tackle societal pressures to "bounce back" after childbirth and highlight the significance of self-care and mental well-being. Nicole offers valuable tips on preparing for a C-section, creating a birth prep ritual, and shares resources to support C-section recovery.IMPACTFUL QUOTES"When you learn to accept and process what you've been through, you don't look at your body as a failure. You look at it as a powerful tool that helped to bring this baby earth side."EPISODE CHAPTERS>> 00:00 Introduction and Personal Experience with Traumatic C-Section>> 02:20 The Importance of C-Section Scar Massage>> 03:46 Societal Pressure to Bounce Back After Childbirth>> 11:33 The Need for Better Postpartum Care for C-Section Moms>> 27:37 Accepting and Celebrating the Post-C-Section Body>> 29:00 Rehabilitation and Support: The Key to Successful C-Section Recovery>> 39:00 Preparing for a C-Section: Creating a Birth Prep Ritual>> 41:40 Nurturing Yourself During C-Section Recovery>> 44:25 Resources for C-Section Recovery: Nicole's Programs and SupportABOUT NICOLE ALFREDNicole Alfred is a cesarean recovery coach, registered massage therapist, and mother of three. She has given birth three times by C-section: one emergent and traumatic, the other two empowered and planned.Her different experiences opened her eyes to the lack of support mothers receive post-operatively. Nicole sees a need for much more emotional and physical attention. Nicole believes there are important steps that new mothers need to take, beginning immediately after surgery and continuing through the first 12 weeks postpartum, to optimize their recovery.These steps include restoring normal function with everyday movements, wound & scar healing, core muscle system recovery, and connecting with the incision scar to facilitate emotional processing and healing.Get her FREE Belly Shelf Guide here or go to her website!About Kumiko:Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals. With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America. As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment. Thank you for being a part of our community! Contact The Miko Love Podcast Follow me on Instagram @mikolovepodcast Email me at kumiko@mikolovepodcast.com Thanks for listening & keep feeding your curiosity!

A wish of every parent is to make sure that their kid is set up for financial success. But with money still being an akward and taboo topic for many, it can be difficult to approach this subject with young children to make sure they have the knowledge and tools that they need to be financially successful later on in life. If you're confused about when you should start talking to your kid about money, how to teach them how to be a responsible saver and spender, and you're curious on how to get them to undstand the concept of investing then this week's episode will provide you with the answers to these questions.    If you're a parent or a soon to be parent, then this week's episode of the podcast is for you. My guest in this week's episode, Andy Hill, is the founder of Marriage, Kids, and Money which is a financial platform that is dedicated to helping young families build wealth and thrive. Andy is a dad of two and a Accredited Financial Counselor who helps families create generational wealth through his podcast, blog, and YouTube channel. We're answering all your questions on how to set your kids up for financial success. Enjoy!     Find and Work with Andy: His Website His YouTube Channel His Podcast Get his free 60/40 Generational Wealth Plan     START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations     Work with Paige: Join the Overcoming Overspending Membership HERE Use code “MLP30” at checkout to save $30 on your first month inside the membership    Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending